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There is no formula used to fill a distribution panel. The panel is loaded according to the circuits that are to be connected to it. After you have determining what breakers are needed always buy a distribution panel that has more slots than you need. The extra cost of buying a panel with more slots in it will pay for itself in the future if additional circuits need to be added.
The top of the service panel can be no more than 6' 6" off the floor. Must be 36" of clearance in front of the panel and 30" on each side. Use common sense when installing the panel. If you install the top of the panel aroud 6' 2" off the floor you are good to go.
The sizing of an electrical panel is based on the total connected load. Most new homes today will use a minimum of 200 amp panel. This size distribution panel will give ample room for expansion in the future. As more and more appliances and larger connected loads appear on the market, distribution panels have gone from 30 to 60 to 100 to 125 and now the standard is 200 amps.
A typical panel has three large wires entering the main panel from the electric meter and a bare ground wire. Two of the large wires are hot and go to the busses where the breakers are mounted. The third wire is common and is connected to one or more common bus locations. It will usually be silver in color with a screw on top to connect white wires from branch circuits. The ground is the metal of the panel itself and there will be one or more ground busses usually copper colored that are connected to the metal of the panel by screws there by "bonding" these ground busses to the metal of the panel. You should also see a copper wire coming from a ground rod connected to the metal of the panel. At the main panel you need to bond the common to the ground. There is usually a screw that allows this bonding to occur. If you have subpanels ground and common are NOT connected at the subpanels.
Electric Panel ---------------------------- Based on the answers you have proposed, Electric Panel is the correct choice. However, I do not know of any requirement in the NEC that prohibits the sheathing from extending further into the panel. There is a requirement that it must extend through the connector, but I know of no NEC requirement on when it must stop. --Sparkfighter