DJF, There is no GEC run to the water pipe so I am going to run the #4 to 1 panel then tap off to #2 panel with # 4 and then tap off to 30A panel with #8 these panels are inside residential basement. Then I am going to fix GEC outside. The meter socket has 1 lug for neutral and GEC.The meter socket lugs have 2 sets of lugs on load side to go to both 100A panels