Peter, the problem is not with the numbers, it is with the fact that you are using the same physics as is already being used in Big Bang calculations. As Nereid pointed out, the radiation is already in there. There's no need to reinvent the wheel here, just look at the calculations that already include radiation. They find that radiation is not playing any important role in the current behavior of the universe. If you are suggesting that these calculations, which have been checked and rechecked by people highly qualified to do such calculations, are incorrect, then you have to be able to say where they made their mistake before you ask us to do the same for you.