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Re: main panel
Jerome,
Once 'not-part-of' the service equipment, yes, the neutrals need to be isolated from ground.
And 4 feet away is 'not-part-of' the service equipment. Even if you had a meter, then a main disconnect (the service equipment), then right next to it a panel, that panel would not be part of the service equipment.
In your case, the 400 amp main is the service equipment. Once outside that enclosure, everything else is 'not-part-of' the service equipment.
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