Wayne, Electricmanscott said it all on this issue:
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there is no requirement for a main breaker in a "sub panel". If these inspectors are under the NEC they have no right to require anything over and above regardless os their views on safety or such. I know this is off the topic but I will never accept inspectors making up the rules as they go. It is not right and it is counterproductive to everything that the NEC is.
