re-posted to charger forum as well... please ignore this post...

I'm trying to tweak an already existing design and I'm getting confusing results.  I've got a Battery (using a bq20z95) 8.6V (4 cells) that I'm trying to charge with a bq24600 part.  When I change VISET I get a change in the charging current but it always comes out lower than what the calculation says it should, what am I doing/expecting wrong?  I've got a 210k/56k divider from Vref to the Iset pin (RSR = 0.01 ohm) which should give me 3.47A for charging  (Vin = 12V) .  VBAT is set for 8.4V  The inductor is a SRP1040-2R2M 2.2uH.  Which gives a Iripple of 0.95A (is too much ripple my issue?).   Instead of 3.4A charging I get about 2.5A, I've tried some other resistor values instead of the 56k and always get lower than expected charging current... where did I go wrong?