Another thing that bothers me: in that second picture the load-side panels (as marked on the cover in the third picture) are fed via tandem (1/2 size) circuit breakers (compare them with the full-sized breaks to their left) with what appear to be handle ties (the sliver of silver visible between adjacent handles).

In order to get these circuits on both phases the tandem breakers for the load side panels and the dryer immediately below them are stacked in such a way that they straddle two breaker positions ( the"lighting circuit" at top right occupies 1/2 of the top right breaker position, offsetting breakers below it). Also the breaker serving the oven at lower left is just sitting there by itself, offset.

I've never seen this arrangement before, is this an allowed use of tandem breakers?