A computerized system for determining the range of investment risks based on identifying and quantifying the collective impact of critical business risks, on investment returns in technology enterprises. The constricted thermally adhesive section has a recessed surface facing a center line extending in a direction overlapping with the thermally fused composite fibers across the center of the intersection region. The spoon is folded from a flat sheet having two contiguous sections scored so as to form a handle and bowl portion when folded. A second non-room temperature output voltage of the monolithic voltage reference device may be measured while the monolithic voltage reference device is at a second non-room temperature which is substantially different than the room temperature and the first non-room temperature. The first portion of the free layer is closer to the reference layer than the second portion of the free layer.