So, if you're buying 14/2 Romex, that's a hot, neutral and ground. Even though there are technically three wires in the cable, the ground wire is not captured by the 14/2 designation.

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In either instance, the Romex wire’s outer protective insulation could be damaged by accidental impact, which could expose the 120-volt wires to human contact.

In either instance, the Romex wire' s outer protective insulation could be damaged by accidental impact, which could expose the 120-volt wires to human contact.