basically a centre tapped secondary winding gives you 2 hot legs and a neutral/earth - for USA thats 120-0-120 for Uk thats 230-0-230
or for site work(reduced low-voltage) 55-0-55
i think the economics are that that when the loads are balanced on the two hot legs -the neutral current is zero and the 2 hot legs carry half the current of an equivalent 2-wire SP supply
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