WOW...that looks like a very hot panel !
so hot in fact that the buss with all the over-heated neutrals on it, looks like it's warped up a bit in the middle and even cracked at the top, right in the middle!!!
I can see how the 2 screws that secure the buss could be loose and causing this...looks terrible.....almost like water has dead shorted those top 2 breakers to the neutral buss there at one time or another...
