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How do you produce 120V lines from 240V lines without using a transformer?

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220 volt AC current is achieved by having two 110 volt lines with opposite waves or phases. One line will be positive while the other is negative then they flip or alternate 60 times a second (60 hertz). When connecting a volt meter to each of these lines it will read 220volts. Connecting a volt meter from either line to ground will read 110.
I don't know if your question is backwards, but in a home you shouldn't have any lines that read 220 volts to ground. In a business or shop there can be 240 volt lines which combined can make 480 for industrial equipment.  
If your 220 is an older style and only has two hots and a ground (red,black,bare/green) you can't make a 110. If your 220 has 2 hots (red,black), a neutral (white), and a ground (bare/green), you can get 110 from either of the hots (black,red) to neutral (white).
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