I'm confused! If that's what you were "talking about", why did you write:No - the situation I was talking about was where there are 2 MCBs, one for the upstairs lights and one for the down.
??? As I said, if "everything were on the same MCB" there would only be one MCB to turn off, so when one was working on the circuit (with that one {and only} MCB necessarily turned off) there would be no L anywhere in any of the lighting circuit(s) that could bite, would there?No - that's not the problem - that would bite you if everything were on the same MCB.
That was my point. As I said to Andy, this "borrowed neutral" terminology is really very misleading - what we mean is that L comes from one circuit and N from another - so, depending on where one is looking from, it can be called either 'borrowed neutral' or 'borrowed line'. In my (third) diagram, all of the upstairs cabling directly associated with the (upstairs) landing light appears to be associated with the 'upstairs lighting circuit', which would make many people feel that it was 'on' the upstairs circuit. Only at the other switch, on another floor, does that light get its L from the other circuit - so probably reasonably described as a 'borrowed line'.In your diagram poor Andy gets a DIY cardioversion no matter how the neutrals are arranged.
Kind Regards, John