 And so, you know, we meet with folks and, you know, they have a brokerage account and say they've got a $20,000 gain in Apple and they don't want to sell it. But we say, my goodness, you know what you could have done because you had that buffer left over in the 12% bracket. You could have sold Apple, simultaneously bought it back, recognize the gain, paid no taxes on the gain and reset your cost basis in Apple 20,000 higher.