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I do load calcs when I need to. Usually it is not necessary, experience is enough.
Sometimes if I feel it is close, like between 200A and 320A, and the customer is tight with $$$, I will do an accurate calc.
I would not even consider 100A or 150A on ANY new home or most any service replacement.
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No, that's not me in the avatar. I just like the picture. 
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