A method of manufacturing a panel utilizes a first mold half having a peripherally extending rib and a second mold half. Upload details of an originated loan owned by a user may be stored in a database. Preferably, a washing procedure is conducted based upon a cleaning formulation to also minimize the presence of microbes. The second control switch is coupled to a control terminal of the first control switch to deactivate the first control switch and allow the current to flow through the second current path. The method also includes collecting timing information on the sequential elements on the chip based on the measured clock timing for the sequential elements in the window locations.