As a settlement for an insurance claim, Craig was offered one of two choices. He could either accept a lump-sum amount of $13,432 now, or accept monthly payments of $138 for the next ten years. If the money is placed into a trust fund earning 4.52% compounded quarterly, which is the better option and by how much? The v option is better by $ arest cent as needed. Round all intermediate values to six decimal places as needed.) (Rou monthly payments lump sum