The present invention relates to an expandable and crosslinkable elastomeric material with improved fire retardant properties and low smoke generation, the manufacturing and use of the material. The one or more fuel cells each include a solid state, non-polymeric first electrode layer, a solid state, non-polymeric second electrode layer, and a solid state, non-polymeric electrolyte layer between the first and second electrode layers. In some embodiments, the battery housing and the electronics housing can comprise an external surface of the pacemaker. The wall forms two sides of a triangular aperture 10, the perimeter of which together with the lower edge 12 of the walls are radiussed to avoid any flat area where chopped material may adhere due to surface tension. The software application will also allow a specific investor to implement a risk management strategy, which can be done in, but not limited to, four embodiments: the risk-control embodiment, the risk-control-with-pooling embodiment, the risk-transfer embodiment, and the risk-transfer-with-pooling embodiment.