1962 brick ranch with an FPE Stab-Lok panel — three electricians had quoted just the Tesla Wall Connector install without mentioning the panel. Midwest Electricians ran a real load calc on the kitchen table, showed me I was already at 142A demand on a 100A service before adding the EV. Quoted the panel upgrade and the charger together. One day, one permit, one inspection. Inspector signed off without a correction.