3   0   0   5  << no loci, risk locus, sexlinked(if 1)
 0  0.0  0.0  0  << mut locus, mut rate, haplotype freq(if 1)
 1 2 3 << order of loci

 1 2   # DIS1
 0.9995  0.0005  << gene freqs
 1 << number of liability classes
 0.0 1.0 1.0

 3 4 # MAR1
 0.14 0.32 0.21 0.33 << gene freqs

 3 3 # MAR2
 0.4 0.4 0.2

0 0
 0.0 0.1
1 0.05 0.4