if it's folded down, you're reflecting your transmit signal off the roof and right back into the antenna. the swr is telling you how much reflected signal is coming back to your transmitter. a swr reading of 1.0 is perfect, and hardly achieved. most standard commercial broadcasters shoot for a reading of 1.5 or better. anytime you broadcast with your antenna folded flat, you're going to be reflecting that signal back into your transmitter. it's not good for it, but a lot of today's cbs are pretty bulletproof, it shouldn't hurt it unless you keep the transmitter keyed for a long time. it will work better if you put it up though.