Yea I tried to work out something but he wouldn`t budge.So I changed the service put a 200a meter main outside left the old stuff in the kitchen cabinet and pulled the 240 loads out side ran a wire for the micro wave and added couple small appliance circuits so it kinda worked out.But the ajh maintains that 312.5c You cannot place a raceway under a panel and run NM cables and not have them secured to the box. So to do this you`d have to place a troff or big JB under house fasten all cables to it then you could run up to panel.But he say`s in no way can you stub up under a panel run nm cables and just staple them 12" from pipe openning.HE agrees it makes no sense to him but he has to uphold the law of the land. OK guess it`s time to move on Thanks for the feed back everyone.