We don't call your allocation to cash a cushion or anything else. It's just cash and it's an allocation to cash. And the only question is how much are you allocating to that? In your case, based on what you've said, you want to have a cash cushion that is about 30% of your assets. So we start with that as your cash allocation. And then you want to do 60, 40% with the rest of it all in stocks.