As a settlement for an insurance$$ claim, Craig was offered one of two choices. He could either accept a$$ lump$-$sum amount of $$$$9220$now$,$ or accept monthly payments of $$$ $164$ for the next six years. If the money is placed into a trust fund earning $7\mathrm{.}67\%$ compounded $$semi$-$annually, which is the better option and by how$$ much?