Samster:
I've been busy, and away from the 'puter for a few days.......
Reading thru, I see you have answers from many members..
If you do a lot of LV/landscape ltg, check out "RUUD Lighting" (
www.ruudlighting.com)
They have a three wire system, xfrs, and fixtures....IMHO, they make quality products. I use there site lighting, and comm recess, and have been a datisfied customer with them since 1986.
BTW, I teach/instruct electrical trades courses at a county vo-tech, and '10.4' has been the K factor for Cu for as long as I remember.
Let us know how you make out with this situation, please.
John