text:  In general, there's really three things that create tax in that bucket. You have interest, which is tax to your highest marginal tax bracket. You have dividends that could be qualified dividends or not qualified dividends. And that means they're either going to be taxed at long-term capital gains rates or ordinary income tax rates. And they have capital gains. And those capital gains, you want to make sure those are long-term capital gains and not short-term capital gains. Right.