Bonnie Sparks has been receiving a $200 monthly annuity from her qualified plan account over several years. At the end of the current year, her account balance is $50,000, including a $10,000 cost basis. In order to satisfy a personal obligation, she withdraws an extra $20,000 from her account in the current year. The withdrawal does not affect the amount of her subsequent annuity payments. How much of the $20,000 distribution must Bonnie include in gross income?