Looked at a house with a 100amp main panel in it yesterday. Gas radiant central furnace in this little chalet, well pump, electric hot water, etc. The hot water tank was in full gear, the furnace was on, the well was pumping away and multiple lights were on. Guess what the total amp draw was on the SE conductors? How about 19.8A Good thing the fridge did not kick on or it would have shot up to over 27!