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Well, yes & no. I often don't have much of a buffer sitting in offsets, I just let it ride, unless I need it for anything in particular, then I do a draw down. BUT I do have to mention that I'm sitting in a very cashflow positive position, with Hubby in a stable job and virtually no expenses...

How is this any different to pullable equity? At the moment we're pulling equity, and storing it in offsets. So, this year we have a significant amount of cash, however our overall portfolio remains similar to several months prior when there was a lot less available cash, as it was just...