The reasoning behind this is the panel board is designed to to take a 100 amp main breaker all of the buss bars in the panel are designed to have a capacity of 100 amps no matter which breakers . Most breaker boxes are 100 150 or 200 amps add the amperages of all the individual breakers in the box the total may be more than twice the total amperage of the box for example a 100 amp service panel may have circuit breakers that add up to more than 200 amps this is normal. Wiring a 100 amp circuit breaker box can be a challenging task and should involve an electricians approval regardless of how comfortable you feel with the project it can be a very dangerous undertaking and must be performed by a professional. The standard circuit breaker panel capacity for a single family home is 200 amps many older homes have 100 amp panels and these can work just fine depending on your needs very old systems may have 60 amp panels these usually have fuses instead of breakers. I bet you would need a 100 amp breaker in the main panel 2 awg feeders to a 100 amp subpanel with at least 30 full size spaces most 20 space panels do allow 1 2 space breakers making a 20 space panel capable of 40 circuits but there is no reason to kick yourself in the xxxxx right out the front door
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