Right, I looked at the form (confusing as hell, as usual). It seems to me you only get the 5% if you fill in lines 29 through 39. You only do that if your capital gains is lower than $28,400 if single (which is me), meaning I couldn't make any more money than that and get the 5% rate unless I'm confused. Anything above that ($28,400) would get a higher rate. Most of us are probably above that.
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