Hello guys, Thanks for clarifying forum etiquette for me. I have modified my profile but will fess up on this note as well. My apologies but I don’t know you guys good enough to show you my girlfriends picture yet! I'm Mark Bishton. I have a one man inspection shop in Southern Indiana called Benchmark Home Services. I've worked in the home building business for over 30 years. Started as a grunt on a framing crew in 1970. Became sole proprietor of a small projects construction company in '78; incorporated in '82 and started building turnkey custom homes. I have been designing homes since '88. I joined ASHI in '96, then stopped building and started inspecting in 1998. Now that you know way more about me than you probably wanted, I'd like to get my question cleared up and answered. Funny how 53 years of trying to speak good English doesn't always get the job done! Can’t ever slack up! I tried to clearly describe this panel but should have also said, that there was no bonding screw, strap, etc. I should always be wary about using the word ‘correctly’; I guess that I tired of describing. So.... the bottom line of my question is this: When the neutral wires of various appliances and house circuits are connected to ground and not neutral what is the hazard? Is it a shock hazard or a fire hazard or an equipment hazard or is it just like me 'different'? Mark