As a settlement for an insurance claim, Craig was offered one of two choices. He could either accept a lump-sum amount of $3609 now, or accept quarterly payments of $202 for the next five years. If the money is placed into a trust fund earning 6.28% compounded annually, which is the better option and by how much? The V option is better by $ . (Round the final answer to the nearest cent as needed. Round all intermediate values to six decimal places as needed.)