A streaming subscription service sends you a promotional email with this offer: Pay $$375$ right now for four years of streaming services at no additional charge. No monthly fees, no restrictions. That $$375$ seems pretty expensive, though.

You currently pay $$8\mathrm{.}99$ per month. If you usually earn about $3\mathrm{.}5\%$ annually on this small amount of money you spend each month for streaming, what would this monthly subscription cost you, in today's terms, over the next four years?