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Effects of final-state correlation on the photoionization cross sections for the 3p shell in argon and the 4d shell in xenon are calculated by the reaction-matrix method, starting from the Herman-Skillman model Hamiltonian, for photoelectron energies 0<~ε<~1.2 a.u. and 0<~ε<~2.52 a.u., respectively. The results for argon complement Hartree-Fock and other final-state correlation calculations; the results for xenon are the first ab initio calculations of this kind. Although length and velocity forms of the transition matrix element agree in the initial local-field approximation, they are shown to diverge necessarily when only the final state is improved.