5 "neutrals", Rick (plus the feeder). 4 on the left bar and one at the right. And I do see something black at the hot white at the very right side of the photo.
the thing that interested me in this panel was the fact that in the panel to the left which is the maiun service panel. The Neutrals and grounds are all connected under the same lugs at the bus bar. Two per lug. ground and neutral.
That would be wrong. One neutral,
alone, per lug.