As a settlement for an insurance claim, Craig was offered one of two choices. He could either accept a lump-sum amount of $9520 now, or accept monthly payments of $134 for the next seven years. If the money is placed into a trust fund earning 5.14% compounded quarterly, which is the better option and by how much? The option is better by $ arest cent as needed. Round all intermediate values to six decimal places as needed.) (Rou lump sum monthly payments