enc =: 10&#.
digits =: enc^:_1
cp =: dyad : 'enc ,;digits each x*1+i.y'
pandigital =: (1+i.9)-:/:~
cps =: ~.,(i.1e4) cp"0/ 2+i.8
valid =: pandigital&:digits"0
problem38 =: x:{.\:~(valid#])cps