Ok, so what I did was take the antenna apart, add another couple of feet and made it 16' long.
I shorted out the stub match at 19 inches long.

SWR was about 5:1

So I tried lengthening it to 18' - which did not improve the SWR much.

So I put it back at 16' and I cut the stub match off at the solder point and I stuck it up 30' in the air and the SWR was 1.1 : 1 at channel 23 and was 1.25 : 1 on channel 1 and was 1 : 1 on channel 19....

Since the person I put it up for only has a 23 channel radio, and since he only uses channel 19 - that was all he cared about...

Technicially it says it is good for about 1.5 : 1 on any frequency - hence getting it closer then that was a real accomplishment, and although I know a little about antenna's - this one had me stumpped..... Thanks everyone.....