I have two banks of six-volts, and they are usually run parallel. I noticed in a recent day-sail that after about three hours, with frig and freezer running, instruments and radar on and some autopilot use, the voltage dropped under 12 at the panel meter. The Freedom remote was indicating 12. Here is what I did:Next time down, I turned off the charger and monitored the voltage at the panel input compared to the battery terminals hourly for 24 hours. The average draw was about 7-8 amps. At the end of 24 hours, the panel showed about 12.2 volts and the batteries about 12.45. On average, the panel volt meter showed about .3 less volts than at the terminals. I considered this to be about right for a 450 amp bank. What do you think? What about the spread from terminals to panel? I figured that was about right for a 15-20' run. Agree?Yesterday, in a six hour sail, the batteries registered about 11.2 volts, off from a full charge, with mostly standby on the radar and no autopilot use.Today, I turned the charger off after a full overnight charge and turned on a 17 amp DC draw for an hour. The panel indicated 11.5 volts. I checked the batteries at the terminal and they registered 12.45 volts. I checked the gravity of each cell and it was normal at 12.7 volts (DC draw off for 30 minutes). One was about .2 lower.. maybe.The batteries are on their third season. They are serviced regularly and have not had their plates exposed (always plenty of water). The terminals are clean and were freshened up last season. The batteries were equalized last season. There is an average 5 amp draw 24/7/365 on refrig and freezer. We also use the boat pretty heavily even while not out sailing. It has a three-stage Freedom charger/inverter that seems to be doing just what it is supposed to, and a Balmar three-stage regulator that may be, if anything, a little light on the bulk setting.So, I was about to replace the banks, but now am wondering if that is premature? My next step is to pull off all the terminals again and make them bright and see what if any change that makes. Beyond that, the only thing I can think to do is to take them somewhere to be load tested. Is that effective with a deep-cycle battery? I have only done that with starting batteries.Any better ideas? Comments? Guesses?Rick D.