For higher overclocks, you tend to need to increase the voltage to keep it stable. Cool and quiet will lower the mulitplier and the voltage. Since you are overclocked, you will still be overclocked with the lower multiplier and the voltage lowers as well..but the voltage might drop enough, that it's not enough to keep it stable with the lower speed. For example, I need 1.475v to keep my cpu stable at 2.618ghz, and still needed that voltage for 2.5ghz. Cool and quiet kicks in and lowers my multiplier from 11x to say 10x. At 20x, my CPU is still at 2.38ghz..but the voltage dropped as well, and may not be high enough to keep the cpu stable at 2.38ghz because it's still higher than stock speeds.