 you know, Fred, the reality is, is you're just going to pay capital gains and just on the gain. So I bet if you looked in your taxable brokerage account, you could find things with very small gains or maybe even losses. And if that's true, you're not going to have any tax liability, but let's say everything in your investment account has some form of a gain. You're just paying taxes on the gain and at a much lower tax rate, depending on your income, somewhere between zero 15 and 20%, 20% being the highest that you would pay. So again,