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Matt, clearly you are knowledgeable in your field. However, I must inform you that AC RMS voltage is not 0.707 of peak to peak voltage. It is 0.707 of peak to ground voltage. Therefore: AC RMS = 120V AC peak to ground = ~170V AC peak to peak = ~340V Or, as in your formula: AC RMS = 24V AC peak to ground = ~34V AC peak to peak = ~68V http://en.wikipedia.org/wiki/Root_mean_square EZtech, I can tell by your caring for you customer's needs and attention to detail that you are a woman of great skill and knowlege, and have provided your customer a fine installation.