As a settlement for an insurance$$ claim, Craig was offered one of two choices. He could either accept a$$ lump$-$sum amount of $$$$13,078$now$,$ or accept monthly payments of $$$$207$ for the next six years. If the money is placed into a trust fund earning $4\mathrm{.}88\%$ compounded annually$,$ which is the better option and by how$$ much?