E.C. friend of mine went to a house recently,that had been turned into a duplex. The homeowner wanted to install a second meter/breaker panel etc. He opened existing panel only to find a 200a three phase main lug panel 15ft from the meter(no disconnect outside)with c phase fed by a pieceof #12 with most of the insulation burnt off! When quizzed, the homeowener said that his cousin who once did construction work got the panel out of a mall under renovation,cheap!My buddy told him that he would have to fix the present mess before any other work could commence.Homeowener told him that he could'nt afford that, instead he would get his cousin to do the work.Everyone knows someone that knows! Oh well.