I have a 400A breaker box here with a dozen 100A breakers feeding sub panels. The panels can collectively draw 1200A, but the main will shut everyone off once their total reaches 400A. <BR><BR ...

If the circuit breaker box is not directly next to the meter, it won’t be far away. Sometimes, you can look on the inside side of the wall directly behind the meter, and the sub-panel will be there.