A strictly lower triangular matrix is a kind of (lower)
triangular matrix.
Term "lower" implies matrix has elements only in the lower half.
The condition "strictly" implies that even the "diagonal" of such
lower triangular matrix is populated with '0's. The strictly lower
triangular matrix thus has '0's in its diagonal as well as the
upper triangle part.
In other words, a strictly lower triangular matrix is a lower
triangular matrix minus its diagonal.