No, I don't mean 36-24-36. :-)
Looking for something else entirely in my clipping collection, I cam across a table of prototype and model radii, along permitted locos to run on them (February 1966 MR).
The sharpest mainline curve in Canada was at Boston Bar in BC: 23 degrees. this corresponds almost exactly to a 36" radius curve in HO. The curve was loosened up in later years, but I don't know the date. I do know that in the late 60s, travelling through there, the train slowed down to a fast walking pace going round that curve, so it must still have been pretty sharp.
20" radius in HO corresponds to a 40 degree curve.HTH