Hey Doug, if this is a cushion you're talking about, then it's going to be invested in pretty safe investments, right? Let's say stuff that returns in the range of 3%? That allows you to retain more than 3 full months of costs inside your business. So if you business took in $0 for three months, and still somehow had expenses of $500k a month, then you still wouldn't be running afoul of the limit and you'd still be in business after those three months.

However, one would question why you are still in business if you've been paying out $500k and taking in $0 for three months straight....