As a settlement for an insurance claim, Craig was offered one of two choices. He could either accept a lump-sum amount of $10,903 now, or accept monthly payments of $132 for the next ten years. If the money is placed into a trust fund earning 7.87% compounded annually, which is the better option and by how much? The as needed.) option is better by 5 (Round the final answer to the nearest cent as needed. Round all intermediate values to six decimal places