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That 3 percent figure is from the NEC -national electric code book. Hardcover. Cost about 150.00 bucks. Its was in the backsection under motor homes/ wiring , engies, charging systems , specifing examples from light duty trucks. That's the only source I ever found. Its only on a few pages. The nec never covers much in low volt. The publishers never post links either because its s professional manual, only citing the articles to the code..I wish they would or I would send a link to you. I asked s question like yours at a seminar one time.I was told Its all manufacture specific to the auto they build. Push came to shove and the big 3 us manufactures gave the NEC info which is not much. I don't think there is any published professional electrical code book other than the NEC with the info. It appears to be general guideline at best to avoid total electric failure in mobile charging systems. There has been some concerns about including more low volt specific Info in the NEC . I'm sure in the next few years we will all see the aftermarket audio car audio incorporated into a professional code book and regulated, I.e. National code, Like the NEC It only takes one lobbieist .then again. China would be pushed right out of the market. A good thing.