>>Phone voltage should be 48v off hook.  On hook (when you pick up
and get a dial tone) is -48v.  Ring voltage is 98v.  Variances can
be + or - 6v. Beyond that, you will have problems detecting loop
current properly. Putting a voltage meter on the line should result
in -48v being read.<<

AC or DC voltage? or both?

If i could ask an off-topic question: (i don't know where to go to
ask)
how does the ring mechanism work? does it sink any current from the
48v line supply when the phone is not in use?

Mike Wax

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