I don't know about New Zealand Mike, but you'd notice how all the new panels here now have shrouded breaker terminals, covers clipped over busbars, and so on. The North American units are much more how ours looked 30 years ago in this respect.
In fact we seem to be getting carried away to the point that no exposed, live screw/busbar can be touched easily even when the front panel is removed, and some people who should know better are even trying to put fault codes on inspection reports for old panels which don't have the shrouding. Despite the overall increased of shrouding internally, there is still nothing in the Regs. here which requires it.
