Abstract: In one example, the present invention is directed at a panel that includes (a) a first material having an inside surface and an outside surface, (b) a second material having an inside surface and an outside surface, (c) a zig-zag web with arms and apices disposed between the first material and the second material, (d) insulation disposed between adjacent arms, (e) a composite material comprising an adhesive and particulate material, wherein the composite material is applied to (i) inside surfaces of the first material and the second material, (ii) the zig-zag web, and (iii) the insulation; and wherein the outside surfaces of the first material and the second material are each substantially planar and parallel to one another, the inside surfaces of the first material and the second material contact the apices, and the first material and the second material are the same or different.

Abstract: The present invention relates to a material that includes a first elastic element and a second elastic element that are (a) adjacent but not contiguous in a resting state and (b) connected to a substantially inelastic element, wherein both of the elastic elements are disposed on the exterior surface of the material and the first elastic element or the second elastic element spreads laterally upon impact with an object.

Abstract: A system and method for presenting insurance offers is provided. User information is received via a user interface. A database stores the user information, and also stores a plurality of insurance policy offers, each of which has a corresponding base purchase value. An offer interface is provided for presenting a selected insurance policy offer from among the plurality of insurance policy offers stored in the database, wherein the selected insurance policy is selected based on the user information. The selected insurance policy further has a corresponding adjusted purchase value, which is based on the base purchase value and is increased or decreased based on the user information.