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The "technically a sub-panel" comment was refering to the fact that this is the primary panel on a houseboat (I didn't want to say main so I made up this word "primary"). It is actually fed by a heavy marine cord from a plug on the dock ... which is itself fed by a "main panel" that serves...

Nestor, Thanks for your reply ... I see your point about danger to anyone working in the main panel. Hopefully, as you suggested, a professional electrician will confirm our understanding. Bill

I've read a couple of threads about neutral and ground in a sub-panel and understand that a sub-panel should have the ground "floating", that is seperate from the neutral. It seems that a main panel, on the other hand, will have both neutral and ground terminating on the same buss bar. The...