Frank wrote -
Some approximate examples at 7 MHz with angles of incidence
from 0 - 40 degrees:

Sea Water 0.2 dB
Rocky Ground 5 dB
Average Gnd. 2 dB
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Thanks Frank,

Your figures for 7 MHz are representative of HF.

Nobody is particularly interested in MF, LF or VLF.

They confirm my latest estimate of an average, between sea water and
dry land, of roughly 3.5 dB per ground reflection.
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Reg.