Trying to design a 13' vertical with a loading coil at 3'. It will be
mounted on an aluminum tool box on a pickup. I modeled this on EZNEC
and came up with loads to resonate on 14.2 and 7.2 mhz. Wind the
coils with calculated inductance and it is way lower in frequency than
predicted.

Tapped up the coils and eventially got matches, but was wondering why
the design and real world are so far apart?

Gary N4AST