Systems and methods for generating an integrated market and credit loss distribution for the purpose of calculating one or more risk measures associated with a portfolio of instruments are disclosed. The drive unit is connected to the motor to drive the motor. The soft panel portion 25 is constructed so as to provide increased give or stretch relative to the other parts of the fabric bag 9 when a head of an occupant impacts against it. A heat insulating member is interposed between the stem and the center electrode. A system is also described and claimed.