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A composite, prefabricated panel for building construction. A panel includes a central core having a first face and a second face. The central core includes structural framing members assembled to define at least one opening. A substantially rigid insulation is disposed in the at least one opening o

A composite, prefabricated panel for building construction. A panel includes a central core having a first face and a second face. The central core includes structural framing members assembled to define at least one opening. A substantially rigid insulation is disposed in the at least one opening of the structural framing members. A settable cement, which may be, for example, phosphate ceramic, is provided on each of the first face of the central core and the second face of the central core to form a first face of the panel and a second face of the panel. The insulation may define a plurality of passages, each with phosphate ceramic extending through the passage between and being monolithic with the phosphate ceramic on the first face of the central core and the phosphate ceramic on the second face of the central core. A building system with such panels is provided.

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1. A panel comprising: a central core having a first face and a second face and including: structural framing members comprising light gauge metal assembled to form a perimeter and to define at least one opening therethrough; anda substantially rigid insulation disposed in the at least one opening o

1. A panel comprising: a central core having a first face and a second face and including: structural framing members comprising light gauge metal assembled to form a perimeter and to define at least one opening therethrough; anda substantially rigid insulation disposed in the at least one opening of the structural framing members; anda phosphate ceramic layer positioned on each of the first face of the central core to form a first face of the panel and the second face to form a second face of the panel,wherein the insulation defines at least one passage, and phosphate ceramic extends through the passage between the phosphate ceramic layer on the first face of the central core and the phosphate ceramic layer on the second face of the central core. 2. The panel of claim 1, wherein the insulation comprises expanded polystyrene or fiberglass material. 3. The panel of claim 1, wherein the phosphate ceramic comprises magnesium phosphate. 4. The panel of claim 3, wherein the phosphate ceramic further comprises one or more of alkali silicate, alkali metal, alkali earth metal, fly ash, slag, crushed glass, and silica. 5. The panel of claim 1, further comprising a fire-resistant ceramic-based coating deposited on the phosphate ceramic on at least one of the first face of the panel and the second face of the panel. 6. The panel of claim 5, wherein the fire-resistant ceramic-based coating further comprises one or more alkali silicate, alkali metal, alkali earth metal, fly ash, slag, crushed glass, silica, and colorant. 7. The panel of claim 1, wherein the at least one passage comprises a plurality of passages, each with the phosphate ceramic extending through the passage between the phosphate ceramic layer on the first face of the central core and the phosphate ceramic on the second face of the central core. 8. The panel of claim 7, wherein the phosphate ceramic extending through the passage is inherently bonded or monolithic with the phosphate ceramic layer on the first face of the central core and/or the phosphate ceramic layer on the second face of the central core. 9. The panel of claim 1, wherein the structural framing members comprise three spaced parallel studs, each stud having a C-shaped cross section with a web, two flanges, each generally perpendicular to the web, returns on each flange, and two ends, and two parallel tracks, with the tracks being perpendicular to the studs, wherein each end of each stud is attached to a track, and wherein the structural framing members form a rectangular perimeter and two rectangular openings. 10. The panel of claim 1, wherein the axial load strength of a panel measuring 4 foot by 8 foot by 5 inches and tested in accordance with ASTM E72 is at least 30,000 pounds. 11. The panel of claim 1, wherein the axial load strength of a panel measuring 4 foot by 8 foot by 5 inches and tested in accordance with ASTM E72 is at least 37,000 pounds. 12. The panel of claim 1, wherein the panel when tested in accordance with ASTM E72 withstands a flexure pressure as of at least 150 pounds per square foot prior to failure. 13. The panel of claim 1, wherein the panel when tested in accordance with ASTM E72 withstands a flexure pressure as of at least 199 pounds per square foot prior to failure. 14. The panel of claim 1, wherein a pair of assembled panels each measuring 4 foot by 8 foot by 5 inches and tested in accordance with ASTM E72 withstands a racking shear load of at least 1,200 pounds per linear foot prior to failure. 15. The panel of claim 1, wherein a pair of assembled panels each measuring 4 foot by 8 foot by 5 inches and tested in accordance with ASTM E72 withstands a racking shear load of at least 1,575 pounds per linear foot prior to failure. 16. A panel comprising: a central core having a first face and a second face and including: structural framing members comprising light gauge metal assembled to form a perimeter and to define at least one opening therethrough; anda substantially rigid insulation disposed in the at least one opening of the structural framing members, wherein the insulation defines a plurality of passages that extend between the first face of the central core and the second face of the central core;a settable cement layer positioned on each of the first face of the central core to form a first face of the panel and the second face of the central core to form a second face of the panel, andsettable cement disposed in the plurality of passages to extend between the first face of the panel and the second face of the panel. 17. The panel of claim 16, wherein the settable cement of the settable cement layer and the settable cement disposed in the plurality of passages is a phosphate ceramic. 18. The panel of claim 17, wherein the insulation comprises expanded polystyrene or fiberglass material. 19. The panel of claim 16, wherein the structural framing members comprise three spaced parallel studs, each stud having a C-shaped cross section with a web, two flanges, each generally perpendicular to the web, returns on each flange, and two ends, and two parallel tracks, with the tracks being perpendicular to the studs, wherein each end of each stud is attached to a track, and wherein the structural framing members form a rectangular perimeter and two rectangular openings. 20. A building system, comprising: a foundation;a plurality of prefabricated panels, each panel having an upper end and a lower end and being mounted to the foundation at the lower end and to at least one other adjacent panel, the panels comprising: a central core having a first face and a second face and including: structural framing members comprising light gauge metal assembled to form a perimeter and to define at least one opening therethrough; anda substantially rigid insulation disposed in the at least one opening of the structural framing members; anda phosphate ceramic layer on each of the first face of the central core to form a first face of the panel and the second face to form a second face of the panel; anda roof structure mounted to the upper end of the panels,wherein the insulation defines at least one passage, and phosphate ceramic extends through the passage between the phosphate ceramic layer on the first face of the central core and the phosphate ceramic layer on the second face of the central core. 21. The building system of claim 20, wherein at a joint where adjacent panels abut, recesses in the sides of the panels form a tension rod opening, and further comprising a tension rod disposed in the tensioning rod opening and having a first end and a second end, the first end of the tension rod anchored to the foundation, and the roof structure mounted to the second end of the tension rod. 22. The building system of claim 20, wherein the structural framing members comprise three spaced parallel studs, each stud having a C-shaped cross section with a web, two flanges, each generally perpendicular to the web, returns on each flange, and two ends, and two parallel tracks, with the tracks being perpendicular to the studs, wherein each end of each stud is attached to a track, and wherein the structural framing members form a rectangular perimeter and two rectangular openings. 23. A method of making a composite panel, comprising: assembling structural members comprising light gauge metal and rigid insulation to form a central core having a first face and a second face, wherein passages are provided through the rigid insulation;dispensing a first layer of a settable phosphate ceramic composition in a form having the shape of the outer limits of the panel and allowing at least a portion of the first layer to at least partially set;placing the central core in the form over the first layer of the at least partially set phosphate ceramic;dispensing additional settable phosphate ceramic composition to fill the voids between the structural members and the form, to fill the passages, and to provide a second layer of at the least partially set phosphate ceramic on the second face of the core. 24. The method of claim 23, wherein the at least partially set phosphate ceramic comprises magnesium phosphate. 25. The method of claim 24, wherein the at least partially set phosphate ceramic further comprises one or more of alkali silicate, alkali metal, alkali earth metal, fly ash, slag, crushed glass, and silica. 26. The method of claim 23, further comprising spray coating a fire-resistant ceramic-based coating formulation on the composite panel. 27. The method of claim 23, wherein assembling structural members and rigid insulation to form a central core comprises assembling the structural framing members from members comprising three spaced parallel studs, each stud having a C-shaped cross section with a web, two flanges, each generally perpendicular to the web, returns on each flange, and two ends, and two parallel tracks, with the tracks being perpendicular to the studs, wherein each end of each stud is attached to a track, and wherein the structural framing members form a rectangular perimeter and two rectangular openings.