As a settlement for an insurance claim, Craig was offered one of two choices. He could either accepta lump-sum amount of $9426 now, or accept monthly payments of $131 for the next eight years. It the money is placed into a trust fund samng 8.8% compounded semi-annually, which is the better option and by how much? The option is better by s Round the final answer to the nearest cent as needed. Round all intermediate values to six decimal places as needed)