I was warned that this panel is a fire hazard by an inspector. The lower right breaker was added as a main cut-off for a generator connection. House was built around '79. Inspector said....150 going into a 60 amp could overload if you are using everything in the kitchen. There was a suggestion that the panel needed a main cut-off to fix the problem.
Sent the pic to my future SIL (does electric) who came back with....it's safe. That the panel is a split panel and feeding he lower that way is fine. The only other issue was to add another breaker fix the one with 2 lines going into it. Even my SIL had to ask a co-worker bc he had never seen that.
So, again, like I'm 5.....opinions.
And just to add...I believe the gray pvc on the bottom left is the generator line coming in