Bob hey thanks for the observation! I checked all the wire terminals going into all the breakers and all were tight. I believe it looks concerning in the photo more than in person, but I will look at them again. That Neutral looks a little like those hots if you look closely following the wire. Insulation looks twisted? I’ve seen that before on heavy stranded wire. Good observation I will certainly look at them again.
Could be, my labeling for the breakers are probably the same as yours. I’ll try to diagnose what parts or board has failed. I think there are two boards there if I remember correctly. One might be just the terminal block but I think there were some circuitry on that board too.