multi family load calc

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I have a 38 unit building and am dividing it into two meter banks one 20 and one 18. the service is 3 phase in to each meter bank and single out. When calculating the ranges (3529kw each) I took the demand factor from table 220.55. I am being told to use twice the total number between any two phases to get the demand as stated in 220.55 so 20/3*2=13.3 round up to 14 which gives me a demand factor of 32. So now I took 14*3529 and then applied my demand factor of 32. Giving me 15810. resubmitted and was then told that i had to take the 20 ranges *3529 then apply the demand factor as if it was 14 (20*3529*.32= 22585.6).
Also the same for the dryers
Can someone clarify which method I should be using. To me if I use the 3 ph calc it should be less then if I went with the chart for single phase.
 
Refer to Annex D, Example D5(a). Make certain to note the conditions at the beginning.

After viewing that example, come on back if you have more questions ;)
 
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