An MFA panel provides enhanced compressibility and off-axis threat protection by distributing solid elements among a plurality of vertically stacked, flexible supporting sheets, so that the elements on each sheet are spaced apart while the stacked arrangement provides adjacent or overlapping coverage of the panel, while allowing the solid elements to slide over each other during compression. The solid elements can be triangular or square, and can be metal or ceramic. The supporting sheets can be high tensile, such as para aramid, or low tensile, such as PET, Nylon, or cotton, for enhanced compressibility, flexibility, drape, and hand. A high tensile backing ply can be included to inhibit tensile failure of low tensile supporting sheets. In embodiments, the panels are attached to each other only at their edges. Fibers of para aramid supporting sheets can be unidirectional, so as to share the load of an impact throughout the panel.