I am eternally reckoning with trying to understand #Transformers and #SplitPhase in particular. Current progress:
(Leaving out 3-phase.)
There's a high voltage hot and neutral that must never touch, except that if they touch by coiling around a magnetic core, and there are two other wires doing the same on the other side of the core, that's fine.
Not only is it fine, but you can vary amperage/voltage, and you can even stick a third wire there in the middle. The voltage difference between the middle and the edges will be half the difference between the edges.
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