THIS PARTICULAR SCENARIO IS IN MOST MANUFACTURE HOME AT LEAST IN NEVADA, WHERE YOU HAVE A STAND ALONG OR PEDESTAL METER , SOME TIME INSIDE THIS PEDESTAL THERE IS MAIN LOG OR A MAIN BREAKER WITH MORE SPACE FOR OTHER BREAKERS. ONE OF THIS BREAKER FEED THE SUB INSIDE THE HOUSE WHERE ALL BRANCH CIRCUITS ARE DISTRIBUITED. THIS SUB HAS IT IS OWN MAIN BREAKER (SEPARATE BUILDING ) AND ITS OWN BUS RATING. SORRY FOR THE DELAY ..... HERE IS THE QUESTION. ....DOES THE 120% RULE HAS TO APPLY TO THE HOUSE SUBPANEL , STAND ALONG (PEDESTAL ) OR BOTH?