"Bought a 1948 bungalow in Beech Grove with the original FPE Stab-Lok panel. Three electricians told me 'just leave it.' Township Electric showed up, ran a real load calc, pulled the Marion County permit, coordinated AES Indiana for the disconnect, and had a new 200A Square D panel in by 4 PM the same day. Walked me through every breaker label. That's how it should be done."