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The finite-difference time-domain method is used to calculate the specific absorption rate (SAR) within the human body. SAR distributions are calculated using incident frequencies of 100 MHz and 350 MHz for three different cases: (1) a homogeneous man model in free space; (2) an inhomogeneous man model in free space; and (3) an inhomogeneous man model standing on a ground plane. These various cases are used to evaluate the advantage of inhomogeneous models over homogeneous models, and grounded models versus free space models. Comparison is made between the results obtained here and those obtained using the method of moments.