OK, thanks for the info and attachment, got it sussed now, cheers!
My misunderstanding was I assumed 124VA applied to a single winding, as in I could series say the two 3 volt windings to give 6 volts. Then I was dividing 124 by 6 to get a current ability of 20 amps. I was thinking this is a mighty powerful little transformer. I now of course see it's the rating for ALL the winding together, so 1 + 3 + 9 + 27 = 40 volts. Series the two sets of series windings and you get 80 volts. 124 divided by 80 = 1.55 Amps, as the top panel says
The figure of 124 VA applies when *All* the windings are used together....