Embodiments of a method and system for user payment account management in a networked system are disclosed. The control unit operates a virtual client that maintains a virtual screen reflecting the status of the collaboration. The INE originates a call to the party to whom the subscriber desires to reply. The plurality of interconnect pads can include transmitting pads, receiving pads, and transmitting and receiving pads. A leader member that is attached to a free end of a recording tape wound around a single reel accommodated in a case and that is pulled out from an opening formed in the case by an pull out member of a drive device is manufactured by metal injection molding of stainless steel. In one example embodiment a variable material stretch forming apparatus comprises a stretch-forming assembly configured to stretch-form at least one section along a width of a sheet of pre-preg material to a longer length than at least one other section along the width of the sheet of pre-preg material before the sheet of pre-preg material is applied to a tool.