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Amounts. there's nothing you can do on that. it is income you get from work, so it is what it is. on the investment income, there's a 3.8% surcharge, which is on interest that you get from your bank account, capital gains, dividend income, anything that is considered investment-related income. that you have a lot of control over. >> how so? >> well, i mean, for example, instead of being in taxable interest, i can be in municipal bonds. those are exempt from the surcharges. if i have a capital gain and i have to sell out of a security, what i can do is sell something that has a loss to offset t...