Walt, W2DU wrote:
"This ratio (reflection coefficient) is determined only by the load and
the line, not by the generator.."

Terman is squarely in Walt`s corner. He says on page 87 of his 1955
edition:
"Reflection coefficient = rho = E2 / E1
= (ZL/Zo) -1 / (ZL/Zo) +1.

No Zsource appears in the equation, only ZL and Zo. " Were it not so,
Terman would have told you!

There is a nice photo of Walt, W2DU in the April 1973 edition of QST.
That`s the edition with (2) Bird wattmeters on the cover. This edition
initiated a series of articles on "Reflections" by Walt.

Best regards, Richard Harrison, KB5WZI