I am going to install a sub-panel directly under the main 200 amp panel in a single family dwelling.  I am going to use #4 copper for the feeders.  I am looking at the table 310.15(b)(7) and it looks as though it says I can put 100 amps on the #4 wire.  But then I look at table 310.15 (b)(16) and it says that #4 is only good for 85 amps in the 75 degree column.  I'm pretty sure the circuit breaker that will feed the sub-panel has 75 degree terminations.  What is the correct max amperage in my situation?
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