120312-1613 EST
__dan:
You need an AC circuit analysis course from a major university. But I doubt that time would allow you to do that. So try to learn from what is being presented to you in this thread.
I will review a little.
The dot markings on a transformer schematic are such that each dot is associated with a single coil having two terminals. The phasing defined by the dots is such that the voltage at the dot end of the coil relative to the non-dot end is most positive simultaneous for all coils.
Thus, a normal center tapped coil labeled X1 (non-dot end of X1-X2), X2 (dot end of X1-X2), and X3 (non-dot end of X3-X4), X4 (dot end of X3-X4), has X2 most positive relative to X1 at the same time as X4 is most positive relative to X3. When X2 is connected to X3 to make a center tapped secondary, then the instantaneous sum of the two voltages, vX1X2 and vX3X4 is greater than either individual voltage. There is no need to relate this to core flux, or to that it is even a transformer. It is just two voltage sources with a relationship between them.
These two voltages with the subscripts given are in-phase with each other. Now, if you view these two voltages relative to neutral, meaning the voltages are labeled vX1X2 and vX4X3, then they are 180 degree out of phase. This does not change the total voltage from X1 to X4, but it does change your perspective of the voltages and how they can or can not be used.
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