For :
$κ$ a measurable cardinal,
$U$ a $κ$-complete ultrafilter over $κ$
$j_U$ the elementary embedding of $V$ into the ultrapower of $V$ to $U$
How to show that : If $\operatorname{cf}(γ)≠κ$ Then $j_U(γ)= \sup \{j_U(δ)\mid δ<γ\}$ ?
For :
$κ$ a measurable cardinal,
$U$ a $κ$-complete ultrafilter over $κ$
$j_U$ the elementary embedding of $V$ into the ultrapower of $V$ to $U$
How to show that : If $\operatorname{cf}(γ)≠κ$ Then $j_U(γ)= \sup \{j_U(δ)\mid δ<γ\}$ ?
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Let us divide the cases. Let $\langle \gamma_\zeta\mid \zeta<\mu\rangle$ be a cofinal sequence converging to $\gamma$. (Here $\mu=\operatorname{cf}\gamma$.)
$\operatorname{cf}\gamma<\kappa$: Let $[f]_U<j_U(\gamma)$. Without loss of generality we may assume that $f(\xi)<\gamma$ for all $\xi<\kappa$. (Why?) For each $\xi$, choose $\eta_\xi<\mu$ such that $f(\xi)<\gamma_{\eta_\xi}$. Then there is $\delta<\mu$ such that $\{\xi<\kappa\mid \eta_\xi=\delta\}\in U$. Can you see how to proceed from there?
$\operatorname{cf}\gamma>\kappa$: Let $[f]_U<j_U(\gamma)$ again. Still, we may assume that $f(\xi)<\gamma$ for all $\xi<\kappa$. Since $\kappa<\mu$, $\delta:=\sup_{\xi<\kappa}f(\xi)<\gamma$. Then completing the proof is easy, so I will leave it to you.