Ok, so I guess my subject line might have open the door to this
discussion. So NEC4 can model insulated wire, which seems like it
might be helpful for me. I see the price is down to 300$ now for US
non-commercial. Now if I can just get them to answer my email. So what
is included in the package - its not listed on the LLNL website. Does
NEC4 use the same input deck as NEC2? I assume there are maybe some
more input cards? What about the output?

I wrote my own cubical quad optimizing software that reads and writes
to the NEC2 input deck and reads the output directly - hopefully it
wouldn't require to much change to adapt it to use a NEC4 engine
instead.

-Scott, WU2X