 I think the capital gains tax should be zero because you invested the money, and if you'd gone out and had dinner with it, the government wouldn't bother you. If you invest it, why do they come back and tax you again? Well, they're the government, and all they want is your money, so they can give it to somebody else. And you've purchased it with post-tax dollars. Yes, yes. This has been taxed before. So now they have this idea that we're going to have a capital gains tax when your house goes up in value, and the assessors come and say it's worth more.