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Thanks - I've confirmed that the 3.8% does apply to me, but I misstated my rate above. The implied tax rate is 23.8%. I've tried entering it both imported transactions and as a summary, but the calculation is the same. This implies I am getting charged at the 20% LT capital gains tax rate, but my taxable income is less than the $502K limit for Married Filing jointly. Would there be any reason I would be charged at the 20% rate?