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Panels User Override let a user override the display of panes for his/her account.
It is used to transform Panels in to a Dashboard module.
The user can order the panes to his/her own preference and even remove panes from the display (by dragging panes to the non rendered region 'Content Stock').
The administrator can provide extra panes in the special region 'Content Stock'. This region will not be rendered; it is used to provide the user with a 'stock of content'.
Usage
Download and Enable the module as usual.
Create a panel or edit a panel as usual.
On the 'General' tab of your variant pick 'User Override' as the Renderer.
Add content to the variant as usual; You have a extra region 'Content Stock'.
In 'Content Stock' you can put panes that will not be renedered by default, but are there for your users to choose from.
Save your panel.
Goto 'user/[UID]/display-override' pick your panel variant and drag-and-drop to your liking.
Don't forget to enable the permissions for roles that may use this functionality. (users without the right permissions are able to see the panels in the default state)
Things to watch out for!
I use it, it works for me... but you might have a different use case.