125%

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Why do you multiply the continuous load by 125% for stores but not for dwellings when doing load calculations?

Other than HVAC loads, few things in a dwelling occupancy would run continuously for 3 hours or more.

Note that some branch circuits must be considered as continuous loads for branch circuit sizing, but not for the service sizing.

NEC definition:

Continuous Load. A load where the maximum current is
expected to continue for 3 hours or more.
 
Even HVAC loads don't run continuously in a dwelling save for maybe the fan on a window A/C.

But to answer the question, in commercial it's almost guaranteed that all the lights will be on for over three hours. At home, it's possible. Our table lamp is definitely on for five hours a night. It's a pretty small load though, so probably isn't affecting the overall circuit much.
 
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