Old Top
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Chief Rick, The reason that they state try to balance the load on a residental panel is the Neutral will carry the unbalanced load, so if you have 60 amps on one phase and 30 amps on the other the neutral is would have a load of 30 amps. It gets much worse with three phase. Which is why the neutral must be the same wire size as the feeder wires. I can go in to more detail if you wish but it makes my brain hurt also. Old Top (electrician for about 40 yrs)