As a settlement for an insurance$$ claim, Craig was offered one of two choices. He could either accept a$$ lump$-$sum amount of $$$$5713$now$,$ or accept quarterly payments of $$$$199$ for the next nine years. If the money is placed into a trust fund earning $4\mathrm{.}27\%$ compounded semi$-$annually$,$ which is the better option and by how$$ much?