John T, I always appreciate and respect your knowledge on all things electrical. I agree with everything you state about circuit balancing. I could be wrong, and I am not an E E, but it is my understanding that typical split phase 240 residential service does not have 2 phases 180 out, but a single phase of the secondary transformer winding tapped at both ends (each end is a hot leg) and center tapped (neutral). This is why it is typically referred to as 240 v split or single phase. I am going to paste an explanation of this from the website "all about circuits". I am certainly willing to be corrected if I am wrong.
Split-phase Power System
Instead of a single 240-volt power supply, we use two 120 volt supplies (in phase with each other!) in series to produce 240 volts, then run a third wire to the connection point between the loads to handle the eventuality of one load opening. This is called a split-phase power system. Three smaller wires are still cheaper than the two wires needed with the simple parallel design, so we’re still ahead on efficiency. The astute observer will note that the neutral wire only has to carry the difference of current between the two loads back to the source. In the above case, with perfectly “balanced” loads consuming equal amounts of power, the neutral wire carries zero current.
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