Over the course of 22 years, Billy contributes $100,000 to a Roth IRA. All of his contributions are qualified according to the rules for contributing to a Roth IRA. As a result of good management by his investment company, Billie's $100,000 contribution grows to $176,000 and now Billie is age 62 and ready to withdraw the full amount. How much of this amount would be taxable for Billy if he withdraws the whole amount as one lump sum