No, it is not the problem. I tried all turns ratios from 2:1 to 1:4 (impedance ratios from 50:12.5 Ohms to 50:800 Ohms) and 1:3 turns ratio (50 to 450 Ohms) is the best overall! Dave modeled a 1:2 turns ratio (50:200 Ohm) transformer. He used a Mininec crummy ground and I used a high accuracy average ground. He used some little wire segments as connection nodes, while I used virtual segments. Dave, your SWR plot agrees with mine within the modeling differences, but it it is R term that concerns me; not the SWR plot.