h2o: What I say is.... 100 amp OCP (Breaker/Fuse) at the source protects the 100 amp feeder to the subpanel.
The 200 amp Cb in the sub is NOT protecting the feeder or the sub panel buss. No matter the load in the sub...it cannot exceed the OCP that is at the feeder source.
AS to the HI's; we license them here in NJ, and as I said above...some have 'it' and a lot 'don't'..
