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Re: Loose neutral.
I'd be astonished if that white wire was capable of "energizing" the panel.
First, because the bottom of the pic looks like there is a bonding strap installed.
Second .... my best guess is that the white wire is not in use, being an extra wire in a cable serving a 240v circuit. Or, with the neighboring black wire, a cable not part of any circuit at this time.
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