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The loading coil shouldn’t count except where the antenna is a coil of wire wrapped around a supporting rod referred to as a continuously loaded antenna. I’m told the length of wire for the coil is counted as the radiator. This would be like a “rubber duck” antenna on a much larger scale.
In some past threads here, there has occassionally been mention of cases where the loading coil is considered in the length of the antenna subject to the Inspectors interpretation whereas the coil would need to be in a shielded box.