Ms. Shin retired in 2021 at age 63 and made the first withdrawal of $20,000 from a traditional IRA. At year-end, the IRA balance was $89,200. In 2022, Ms. Shin withdrew $22,000 from the IRA. At year-end, the account balance was $71,100. Required: Determine how much of each annual withdrawal was taxable assuming that contributions to the IRA were fully deductible. Determine how much of each annual withdrawal was taxable assuming that Mrs. Shin made $26,500 nondeductible contributions to