Thanks Winnie- Yes, I agree and should have stated that. The issue really is the xformer per the original post. The conductors are listed for continuous load and while I can't find anything in the code that says xformers are rated for continuous load I assume somewhere there are guidlines.
The conductors need to match the breaker or just below and round up (usually) and the overcurrent device is sized at 125% for continuous load. See definition of ampacity in Article 100 as it uses the word continuous and the Tables 310.16 etc. are the continuous rated ampacities.
