Abstract: An innovative, low-density, highly-insulating modular panel for use in many applications and industries. The panel consists of a frame and a “tube” or “pocket” of thin, low-density, lightweight material that has the capability of sufficiently stretching to surround the frame when the “tube” or “pocket” is pulled onto it. When fabricated, the “tube” or “pocket” panel covering was made slightly narrower than the frame. The “tube” or “pocket” is then secured along the previously open end or ends of the panel, where frame was inserted, by various fastening devices. The panel is durable and cost-effective for numerous uses. It has very good solar-control and insulating qualities. It also has usefulness as an improved windbreak panel, an improved noise-reduction panel, an improved hail and impact protection panel, a fall protection panel and, in some applications, an improved pollution-control panel.