The temporary cash balance in Daffy portfolios serves a crucial purpose. It provides liquidity for managing the inflow of contributions and outflow of donations. This ensures that funds are readily available when you want to make a donation, without having to sell off any investments, which could potentially disrupt your portfolio's balance. Daffy offers a range of portfolios to suit different charitable objectives and risk tolerances. For members who prefer to avoid market risk, Daffy offers a cash portfolio. This portfolio is invested purely in cash with our custodian and is FDIC-insured. It has no expense ratio and pays a small amount of interest. For those willing to take on a bit more risk for potentially higher returns, Daffy offers portfolios of short-term and long-term inflation-protected bonds. These portfolios are comprised of low-cost funds from Vanguard and Schwab, trusted providers in the industry. One of the great advantages of Daffy is the flexibility it offers. You can change your investment portfolio at any time to align with your giving plans and risk tolerance. And remember, any investment gains are tax-free, meaning you can make a greater impact on the organizations and causes you care about most. In conclusion, the temporary cash balance in Daffy portfolios is a strategic tool for managing liquidity and facilitating smooth transactions. Whether you're a conservative investor or willing to take on more market risk, Daffy has a portfolio option that can meet your charitable giving objectives.