The magnification between the front of a lens and the physical diaphragm is the only reason an 18-55mm f/3.5-5.6 is not an 18-55mm f/3.5-11, a 70-300mm f/4-5.6 is not a 70-300mm f/4-17, or a 70-200mm f/2.8 is not a 70-200mm f/2.8-8.
The "effective aperture" is the entrance pupil as viewed by the subject (i.e. from the front of the lens). With narrow angle lenses (telephoto lenses), the front element must be at least as large as the entrance pupil because the light it is focusing is almost collimated. With wider angle lenses, the entrance pupil can actually be larger than the diameter of the front element when viewed from a point on the len's center axis, though that causes severe vignetting and "cat's eye" bokeh for objects in the periphery. To keep the entire entrance pupil visible from the entire field of view is why many wide angle lenses have those bulbous front elements that are much larger than the e.p.
When light is refracted by a converging lens, the field density increases in proportion to the magnification, just as the cross sectional area through which the light passes decreases in proportion to the magnification. With a simple thin lens, there is a point halfway between the lens and the point of focus where all light passing through the lens passes through a single point where the two cones of light meet at their tips. That's why the image projected on the film/sensor is inverted.
Mixing up several things:
The discussion started from a *prime* lens and not a zoom. And I stated, the front lens element must be at least the size of the aperture.in a meaningful design. And that is true (and not a contradiction to your statements regarding a zoom).
However, if you do magnify in front of the aperture then the t-stop is quite different from the f-stop value. While that can be the case for a zoom at some focal length, it makes no sense for a prime.
Proof: Check f-stop and t-stop values for various primes and you will see they are very close (and the reason why t-stop value is always a bit worse than f-stop value, is the loss of transmission through glass).
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