Lucy has consistently split her RRSP contribution between her own RRSP and a spousal RRSP. Her contributions over the past six years are: Spousal RRSP January 2010 - $6,000 February 2011 - $5,000 December 2012 - $5,500 July 2013 - $6,000 January 2014 - $5,000 January 2015 - $6,000 Regular RRSP January 20010 - $6,000 February 20011 - $5,000 December 2012 - $5,500 July 2013 - $6,000 January 2014 - $5,000 January 2015 - $6,000 In June 2012, Lucy's spouse, Lester, withdrew $12,000 from a spousal RRSP under which he is the annuitant and Lucy is the contributor. What income tax consequences arise from this withdrawal? The full $12,000 is taxable to Lester The full $12,000 is taxable to Lucy $11,000 is taxable to Lucy and $1,000 is taxable to Lester $6,000 is taxable to Lester and $6,000 is taxable to Lucy