As a settlement for an insurance$$ claim, Craig was offered one of two choices. He could either accept a$$ lump$-$sum amount of $$$$2589$now$,$ or accept quarterly payments of $$$$209$ for the next three years. If the money is placed into a trust fund earning $6\mathrm{.}26\%$ compounded monthly$,$ which is the better option and by how$$ much?