Here's a copy of the panel.cfg in question:
[Window Titles]
Window00=View
Window01=Main Panel
Window02=Radios
Window03=Throttle Quadrant
Window04=Electric Panel
Window05=Hydraulic
Window06=Other Controls
Window07=Emergency
Window08=Cowl Flaps
Window09=Long Range Tanks
Window10=rdf_mini
Window11=GPS
[VIEWS]
VIEW_FORWARD_EYE=0.0, 0.00, 0.00
VIEW_FORWARD_DIR= 12.2, 0.00, 0.00
//VIEW_FORWARD_RIGHT_EYE=0,-0.1,0
//VIEW_RIGHT_EYE=0.7,-0.2,0.2
//VIEW_REAR_RIGHT_EYE=1.15,-0.2,0.2
//VIEW_REAR_EYE=-0.2,0,0
VIEW_REAR_LEFT_EYE=-0.45,-0.2,0.2
VIEW_LEFT_EYE=-0.1,-0.2,0.2
VIEW_FORWARD_LEFT_EYE=0,-0.2,0
//View_forward_right_up_windows=39 //Pass Seat view
//View_forward_right_up_dir=0.0,0.0,37
//View_forward_right_up_eye=1.65,-0.25,-7.56
//Ctrl-Shift-9
//View_forward_left_up_windows=40 //Pass Seat view
//View_forward_left_up_dir=9.0,0.0,330
//View_forward_left_up_eye=-1.06,-0.2,-7.53
//Ctrl-Shift-7
//View_rear_left_up_windows=41 //Left Wing view
//View_rear_left_up_dir=9.0,0.0,210
//View_rear_left_up_eye=-1.8,-0.10,5.49
//Ctrl-Shift-1
//View_rear_right_up_windows=42 //Right Wing view
//View_rear_right_up_dir=9.0,0.0,147
//View_rear_right_up_eye=3.0,-0.10,5.49
//Ctrl-Shift-3
//--------------------------------------------------------
[Window00]
Background_color=0,0,0
size_mm=1024,768
window_size_ratio=1.000
position=0
visible=1
ident=0
window_size= 1.000, 1.000
window_pos= 0.000, 0.000
[Window01]
file=panelc-46.bmp
size_mm=1024,768
window_size_ratio=1.000
position=7
visible=1
ident=5
window_size= 1.000, 1.333
window_pos= 1.000, 1.000
gauge00=dsd_xml_sound3_36!dsd_xml_sound3,2,2,5,5,./Aircraft/C-46_CIV_TJ/sound/DC3CPNL.cfg
gauge01=C46!Hydraulic Icon, 622,725,17,17
gauge02=C46!Emergency Icon, 640,725,17,17
gauge04=Beech_Baron!Avionics Icon, 604,725,17,17
gauge06=C46!Magnetic_compass, 785,293,65,65
gauge07=Lockheed_Vega!asi, 570,371,90,90
gauge08=C46!VerticalSpeed, 753,369,95,95
gauge09=C46!TurnIndicator, 667, 369 ,90,90
gauge10=C46!Gyro, 299,487,130,130
gauge11=C46!fuel_pressure, 383,621,55,54
gauge12=Douglas_DC3!sperry_autopilot_compass, 578,481,120,150
gauge13=Douglas_DC3!sperry_autopilot_ahi, 698,481,120,150
gauge16=Douglas_DC3!pitch_trim, 568,570,8,143
gauge18=Douglas_DC3!suction_gauge, 383,677,55,55
//gauge19=C46!radio_compass, 818,485,100,100
gauge21=C46!carb_air_temp, 500,677,55,55
gauge22=C46!Cabin_door_light, 917,729,12,12
gauge23=C46!Gear_locked_left, 915,645,8,8
gauge24=C46!Gear_locked_right, 935,645,8,8
gauge25=C46!Gear_unlocked_left, 691,645,8,8
gauge26=C46!Gear_unlocked_right, 710,645,8,8
gauge27=C46!annunciator_oil_left, 454,735,15,15
gauge28=C46!annunciator_oil_right, 470,735,15,15
gauge29=C46!annunciator_vacuum, 402,735,15,15
gauge30=C46!annunciator_voltage, 423,490,15,15
gauge31=C46!clock, 847,371,90,90
gauge32=C46!rpm, 820,635,80,80
gauge33=C46!manifold, 738,635,80,80
gauge34=C46!Attitude, 440,487,120,120
gauge35=C46!Altimeter, 188,487,120,120
gauge36=C46!oat, 936,371,90,90
gauge37=C46!cyl_temp, 500,621,55,55
gauge38=C46!oil_pressure, 442,677,55,55
gauge39=C46!oil_temp, 442,621,55,55
gauge40=dsd_fuel_flow_160_ring3!engine1, 265,677,55,54
gauge41=dsd_fuel_flow_160_ring3!engine2, 324,677,55,54
gauge42=dsd_fuel_level_fractions_ring3!Left Main, 265,621,55,54
gauge43=dsd_fuel_level_fractions_ring3!Right Main, 324,621,55,54
gauge44=C46!annunciator_fuel_left, 306,735,15,15
gauge45=C46!annunciator_fuel_right, 321,735,15,15
gauge47=dsd_curtiss_toggles!electrical panel, 568,725,17,17
gauge49=C46!RRV4, 921,481,100,100
gauge50=RR4\dB-rr4!RDF-SS, 820,481,100,80
gauge51=RR4\cad_fs2k2dcagauges!timer, 720,715,135,38
gauge52=C46!ParkingBrake, 207,720,40,25
gauge53=C46!Primer1, 889,0,20,30
gauge54=C46!Primer2, 916,0,20,30
gauge55=C46!Energizer1, 610,0,20,30
gauge56=C46!Energizer2, 634,0,20,30
gauge62=C46!Prop_Feather_Left, 558,0,25,25
gauge63=C46!Prop_Feather_Right, 945,0,25,25
gauge64=C46!Ignition, 750,0,95,95
gauge66=C46!EngineFire1, 207,631,20,20
gauge67=C46!EngineFire2, 233,631,20,20
gauge68=C46!GroundLight, 457, 33 ,25,25
gauge70=C46!Flaps, 985,578,38,180
//gauge71=C46!Cowl Icon, 680,725,17,17
//gauge72=BB_DC3_LR!LR_Icon, 660,725,17,17
gauge75=RR4\KD_RDF_mini2!rdf_icon, 660,725,17,17
gauge78=C46!ecu_aileron_trim, 691,675,40,40
gauge79=C46!ecu_rudder_trim, 915,675,40,40
gauge80=Beech_Baron!ECU Icon, 586,725,17,17
gauge81=SimIcons!GPS Icon, 680, 725, 17,17
//--------------------------------------------------------
[Window02]
Background_color=0,0,0
size_mm=349,356
position=8
visible=0
ident=RADIO_STACK_PANEL
gauge00=RR4\DC3_dual_speed_dual_adf_v3!Dual ADF+Comm1, 1,1,348,355
gauge01=RR4\ADF1_Dig!ADF1DigitalReadout, 24,0,82,47
gauge02=RR4\ADF2_Dig2!ADF2 Dig, 229,0,82,47
//--------------------------------------------------------
[Window03]
size_mm=385,365
position=8
visible=0
ident=THROTTLE_PANEL
gauge00=C46!ecu_4tank_automix, 29,0,355,363
gauge01=C46!ecu_pitch_trim, 2,47,109,251
gauge02=C46!ecu_tlock, 231,239,31,36
//--------------------------------------------------------
[Window04]
file=Electric Panel.bmp
file_1024=Electric Panel.bmp
size_mm=255,255
window_size_ratio=1.000
position=0
visible=0
ident=40
window_size= 0.360, 0.560
window_pos= 0.000, 0.120
gauge00=C46!ammeter12, 21,15,50,50
gauge02=C46!voltmeter, 184,15,50,50
gauge03=C46!Inverter, 115,15,20,20
gauge04=C46!Master, 28,68,20,20
gauge05=C46!Avionics, 65,68,20,20
gauge06=C46!BeaconLights, 99,147,20,20
gauge07=C46!LandingLights, 181,147,20,20
gauge08=C46!NavLights, 65,147,20,20
gauge09=C46!PanelLights, 28,147,20,20
gauge10=dsd_curtiss_toggles!Strobe Lights, 137,147,30,40
gauge12=C46!Smoking, 167,107,20,20
gauge13=C46!SeatBelts, 201, 107 ,20,20
gauge14=C46!FuelPump1, 28,107,20,20
gauge15=C46!FuelPump2, 65,107,20,20
gauge16=C46!Generator1, 167,68,20,20
gauge17=C46!Generator2, 201,68,20,20
gauge18=dsd_curtiss_toggles!landing lights extend, 193,182,30,40
gauge19=C46!DeIceWing, 15,182,20,20
gauge20=C46!PitotHeat, 42,182,20,20
gauge21=C46!DeIceProp, 15,217,20,20
gauge22=C46!OilDilution1, 105,68,20,20
gauge23=C46!OilDilution2, 135,68,20,20
gauge24=C46!Circuit_breaker, 60,225,150,30
[Window05]
file=Hydraulic_BG.bmp
size_mm=259,308
position=2
visible=0
ident=181
gauge00=C46!gear_pressure, 40,35,78,78
gauge01=C46!hydraulic_pressure, 140,35,78,78
gauge02=C46!hydraulic_shutoff_gear,52,140,57,57
gauge03=C46!hydraulic_shutoff_flaps,152,140,57,57
gauge04=C46!hydraulic_shutoff_brakes,52,210,57,57
gauge05=C46!hydraulic_shutoff_cowl,152,210,57,57
gauge06=C46!Hydraulic_Aux_Pump, 120,90,20,30
[Window06]
size_mm=259,406
position=8
visible=0
ident=150
gauge00=C46!Floor, 0,0,259,406
[Window07]
file=Emergency_BG.bmp
size_mm=334,182
position=1
visible=0
ident=251
gauge00=C46!Emergency_bottle_1, 110,115,50,60
gauge01=C46!Emergency_bottle_2, 170,115,50,60
gauge02=C46!Emergency_bottle_Selector,135,65,57,57
gauge03=C46!Emergency_fuel_1, 27,15,57,57
gauge04=C46!Emergency_oil_1, 27,65,57,57
gauge05=C46!Emergency_hydraulic_1, 27,115,57,57
gauge06=C46!Emergency_fuel_2, 247,15,57,57
gauge07=C46!Emergency_oil_2, 247,65,57,57
gauge08=C46!Emergency_hydraulic_2, 247,115,57,57
gauge09=C46!Random_Switch, 122,24
[Window08]
file=Cowl_Control_BG.bmp
size_mm=231,126
position=7
visible=0
ident=182
gauge00=C46!cowl_flaps, 17,24
//[window09]
//BACKGROUND_COLOR=0,0,0
//size_mm=272,114
//position=0
//visible=0
//ident=210
gauge00=BB_DC3_LR!fuel_gauge, 0,0,272,114
[Window10]
Background_color=0,0,0
size_mm=398,200
window_size_ratio=1.000
position=0
visible=0
ident=1856
window_size= 0.319, 0.220
window_pos= 0.000, 0.000
gauge00=RR4\KD_RDF_mini2!RDF-mini, 0,0,400,200
[Window11]
size_mm=456,378
window_size=0.5
position=8
BACKGROUND_COLOR=0,0,0
VISIBLE=0
ident=GPS_PANEL
gauge00=fs9gps!gps_500, 0,0
//--------------------------------------------------------
[Vcockpit01]
file=1024background c46.bmp
Background_color=0,0,0
size_mm=1024,1024
visible=0
pixel_size=2048,2048
texture=$vc_panel01
gauge00=C46!Gyro, 198,114,70,70
gauge01=C46!Altimeter, 612,55,50,50
gauge02=C46!Altimeter, 118,114,70,70
gauge03=C46!cyl_temp, 300,191,45,45
gauge04=C46!oil_pressure, 254,239,45,45
gauge05=C46!oil_pressure, 739,155,35,35
gauge06=C46!oil_temp, 682, 155 ,35,35
gauge07=C46!oil_temp, 254,191,45,45
gauge08=C46!rpm, 513,194,50,50
gauge09=dsd_fuel_level_fractions_ring3!Left Main, 116,191,45,45
gauge10=dsd_fuel_level_fractions_ring3!Right Main, 162,191,45,45
gauge11=C46!manifold, 461,194,50,50
gauge12=dsd_fuel_flow_160_ring3!engine1, 116,239,45,45
gauge13=dsd_fuel_flow_160_ring3!engine2, 162,239,45,45
gauge14=C46!Attitude, 278,114,70,70
gauge15=C46!TurnIndicator, 409,55,45,45
gauge16=Douglas_DC3!pitch_trim, 350,145,8,143
gauge17=Douglas_DC3!pitch_trim, 668,145,8,143
gauge18=C46!oat, 565,55,45,45
gauge19=C46!clock, 513,55,45,45
gauge20=Lockheed_Vega!asi, 359,55,45,45
gauge21=Lockheed_Vega!asi, 678,108,45,45
gauge22=C46!ecu_aileron_trim, 429,214,30,30
gauge23=C46!ecu_rudder_trim, 565,214,30,30
gauge24=C46!fuel_pressure, 208,191,45,45
gauge25=C46!gear_pressure, 746,191,45,45
gauge26=C46!hydraulic_pressure, 792,191,45,45
gauge27=C46!Gear_locked_left, 570,194,4,4
gauge28=C46!Gear_locked_right, 580,194,4,4
gauge29=C46!Gear_unlocked_left, 434,194,4,4
gauge30=C46!Gear_unlocked_right, 444,194,4,4
gauge31=Douglas_DC3!suction_gauge, 208,239,45,45
gauge32=C46!carb_air_temp, 300,239,45,45
gauge33=C46!VerticalSpeed, 461,52,50,50
gauge34=C46!Flaps, 678,191,20,90
gauge35=dsd_fuel_flow_160_ring3!engine1, 735,108,45,45
gauge36=dsd_fuel_flow_160_ring3!engine2, 792,108,45,45
gauge37=C46!carb_air_temp, 849,106,35,35
gauge38=C46!fuel_pressure, 797,155,35,35
gauge39=C46!cyl_temp, 855,145,45,45
gauge41=RR4\dB-rr4!RDF-SS, 513,107,60,40
//gauge44=C46!radio_compass, 595,107,60,60
gauge45=Douglas_DC3!sperry_autopilot_ahi, 428,107,62,81
gauge46=Douglas_DC3!sperry_autopilot_compass, 365,107,62,81
//gauge47=C46!VOR2, 373,196,45,45
//gauge48=C46!VOR, 534,107,60,60
gauge49=C46!magnetic_compass, 493,9,40,40
[Color]
Day=255,255,255
Night=225,125,125
Luminous=250,200,175
[Default View]
X=0
Y=0
SIZE_X=8192
SIZE_Y=6143
No, I don't use any programmed failure options in my aircraft, at least to my knowledge; I'm careful in reviewing files to try to ensure I don't load or activate anything like that. Life's tough enough on the outside to willingly import problems to a hobby.