An inexpensive, lightweight, compressible, shock absorbing, and resilient fluid for use in padding applications is presented. A fluid pad can comprise closed-cell foam beads and a surrounding fluid housed in a thin plastic bladder. The closed-cell foam beads can be exactly flooded by the fluid. Alternatively, the fluid can lubricate the closed-cell foam beads. The surrounding fluid may also comprise solid phase microballoons. The addition of the closed-cell foam beads can result in the overall fluid in the bladder being lighter in weight. The fluid pad with the closed-cell foam beads can be compressible and resilient. The fluid pad with the closed-cell foam beads can be shock absorbing with respect to impact loads or vibrations. The addition of the closed-cell foam beads can lower the cost of the fluid pad insert.