My brother's house has unprotected running from meter to ground, and then across under the 2-car garage pad to the basement, then about 1 foot down to the MCB panel. I don't know how far under the pad it is. The pad mount transformer is about 25 feet away, 100 kVA, 2.75%, shared with 2 other houses. Wire sizes unknown. A fault under the garage could be interesting.
