[kach22i]

Thanks for the information. At the HCA site Dave Reyburn posted what I needed to correct my problem, or at least to get started.

http://www.hoverclubofamerica.org/forum/index.php?showtopic=962

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How do you determine the center of gravity on an existing craft?


Place a steel pipe 8 feet long under your hull and slide the craft forward and back until it balances. Have
a friend do this while you sit in the craft.

QUOTE
How do you determine the center of lift on an existing?


You need to calculate the center of area of your skirt. Not trivial in your case.

QUOTE
Is it best to have the two the same? What happens if they are not?


If the center of lift if forward of the CG then you have nose up, aft you have nose down.