When I get a service call from someone having trouble with a Zinsco or FPE panel or breaker I don't usually go in to how bad they are in my opinion. I focus on the expense of replacement breakers and rationalize that replacing 8-10 breakers is more money than buying an ITE 200A contractor pack with a copper buss and an assortment of breakers. I get calls quite often where a Zinsco breaker won't turn off or half of the main breaker goes dead intermitently(sp?)or where someone bought a Zinsco breaker at the hardware store in town(about $45.00) and when they pulled the old one out part of the buss came with it. The FPE problem calls are pretty much what everyone has heard before. The customer took the cover off and half of the breakers fell out and dangled by the branch wires. I try not to scare customers into doing the right thing but when it does become necessary to emphasize the potential danger of a situation I always give them the name and number of at least 2 other local electricians for second opinions. I don't want anyone to think I'm trying to scare them out of their money.