I have (2) 400 amp 3 phase panels that will supply 7 apartments each with 100 amp sub-panels. When doing the load calculations of 25,000 va each before demand factors and after using demand factors of 40 percent on total load I came up with around 388 amps. Splitting that into (2) 3 phase panels 400 amps each. Do those 400 amp panels have to have conductors rated at 400 amps if the total load after demand factors are around 194 amps each?