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I'm getting two conflicting reports and was wondering if anyone can help me. I was told that on the distribution panel, grounded conductors (neutral) and ground wires need to be separated in the distribution panel. The point of disconnect is at the meter and the neutral and ground wires, apparently, have to be separated downstream of the point of disconnect for proper grounding system. Is this true? I got a second opinion and was told that on a 3 wire service to panel, neutral and ground wires are allowed to be terminated on the same bar. Any help would be really appreciated. Thank you all!!