Steve, to add more confusion to your question. The grounded conductor is not always a "neutral". This photo is of a corner grounded delta 3 phase panel. The white marked wires on the "neutral bar" are actually grounded phase conductors for this 3 phase system. It is required to be marked white per code because it is a "grounded conductor". It however, is not a neutral. It supplies the third leg of this system to power 3 phase equipment. Just thought I'd share.
Corner grounded delta photo.docx