JBD
You are correct. I could not agree with you more. I don't think you will find any of my statements that would disagree with you.
However the initial post had 2 loads connected phase to neutral and the question was related to the neutral current.
My disagreement is with this statement by Winnie.
" But for 13A to flow through the load, 13A has to flow through both phase A and phase B. This means that 1560VA is being supplied by each phase. If 3120VA is being supplied, but only 2704W delivered to the load, then there has to be a power factor somewhere "

[This message has been edited by Bob (edited 03-12-2006).]