Who else would do it this way?

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The se enters at bottom left. B phase could maybe be 1" shorter. I've never seen an inspector red flag something like that but I have seen them fail "mouse ears".
Anyway, my post was really about using the can to carry all the neutral currents and I think everyone agrees that this is not code compliant and an all around bad idea.

also, sometimes all you can find are pon panels
 
The issue is the unfused would be shorter if the main was at the top vs running to a bottom main when the cable enters the top of the panel.
Picture in post 33 supply cable is entering bottom area of panel. Disappears behind the adjacent panel and we don't know if there is any vertical run to it or if it turns and exits structure at about that same elevation.
 
Picture in post 33 supply cable is entering bottom area of panel. Disappears behind the adjacent panel and we don't know if there is any vertical run to it or if it turns and exits structure at about that same elevation.
Most likely same elevation. That's what I was referring to when I mentioned the garage in relation to grade.

The bottom of a panel ends up about 4 feet above the floor. 400 amp meter can has KO right about the same above grade.
 
Besides the jumper between the neutral and ground bus, looks as if there are multiple Romex cables going through the connectors; in some instances possibly three, doubt they are rated for that; and NM cable is not fastened close enough above the panel.
 
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