[Zeke]

It's 100 amp service and the quad breakers have the two center breakers handle tied, and the two outer ones are handle tied for a 240v circuit. The outer tie can be removed if one wants 2 separate 120v circuits. That means you can have what they call a multi-wire branch circuit, or MWBC too, but you must leave the tie. You don't see those much now with the AFCI breaker requirement. Individual neutrals, not one for 2 120v circuits using 12-3 cable.