Hello all, thanks for the info. So if joists need to carry a heavier load, and their plumb height required is larger than half the height of the plumb height of their carrying beam cut a housing no deeper than the neutral axis of the carrying beam( Ken, I assume this is to not go into tension wood?).

Therefore, if the carrying beam is 9 1/2" in height you would have to cut for housing no more than 4 3/4" from top. Which would force you to use no more than a 5 15/16" joist in height.

(4 3/4")(1.25)= 5 15/16"

Should this be a good guideline for joist and carrying beam sizing when determining loads? Or should we just oversize?