I have been told in many NEC classes that a #4 THWN 95 Deg. cable cannot be protected with a 100-amp circuit breaker. The reason is that the terminals on the circuit breaker are rated for 75 Deg. Therefore I should use the ampacity listed in the 75 Deg column which is 85-amps and I should use a 90-amp circuit breaker. Is this true? We have completed several audits and we see #4 wire (not necessarily sure of the temp rating) used with a 100-amp rated circuit breaker. Again is this allowed per the NEC?