@gunrunnerjohn posted:Actually, the battery being attached certainly does NOT explain the 20V reading!
Mystery about the 20v reading solved!! I set my voltmeter to AC current, tested the track and the reading was 18v. Then, without thinking (a common occurrence these days), I measured the voltage at the battery while it was being charged and didn't change the voltmeter to DC. Today, I decided to simply test the voltage of the battery while installed in the tender and got another reading of 20v while measuring AC voltage. I switched the meter to DC and got a reading of 9.2v. So, when the engine was on the track, the reading would have been 9v rather than 20v. And, the battery shows a full charge, so I conclude that the charging circuit is working properly.
Thanks again John for your time and expertise in helping me. Tom