As a settlement for an insurance claim, Craig was offered one of two choices. He could either accept a lump-sum amount of $6825 now, or accept monthly payments of $197 for the next three years. If the money is placed into a trust fund earning 4.45% compounded semi-annually, which is the better option and by how much? The option is better by $ (Round the final answer to the nearest cent as needed. Round all intermediate values to six decimal places as needed.)