iso7816_3_compute_fd_ratio() multiplied F by D for every d_index >= 8, presumably because the upper half of ISO 7816-3 Table 8 encodes 1/D.
But 7816-3 2006 and 1997 differ! That assumption is only true for the range 1010..1111, which in the 2006 version is RFU. Indices 1000 and 1001 are Di = 12 and Di = 20, see iso7816_3_di_table[].
So right now Fi=372/Di=12 -> 372 * 12 = 4464 instead of 372 / 12 = 31. In the cemu value is rejected in emu_update_fidi() and the old baud rate is silently kept. In the sniffer update_fidi() programs US_FIDI as 4464 & 0x7ff = 368, which is garbage.
Use F/D for indices 1..9 and keep the legacy 1/D reading only for the RFU range, where we cant really do anything useful anyway.