Finding 041 · electrical · page 41 · as written
“Main distribution panel is a Federal Pacific Electric Stab-Lok. Breakers were not tested. Recommend evaluation by a qualified licensed electrician.”

The Read
This brand of breaker has a documented history of not tripping under load. Your inspector cannot say that in a report. We can: the panel gets replaced, or the price comes down by what replacing it costs.
Cost range
$2,000–$4,500
Assumes a 200-amp replacement in a single-family house, permit and utility disconnect included, no service mast or meter relocation.
Ask or credit
Ask for the work, not the credit. A licensed replacement with a permit on file is worth more to you at resale than the cash.
