As a settlement for an insurance claim, Craig was offered one of two choices. He could either accept a lump-sum amount of $2690 now, or accept quarterly payments of $174 for the next four years. If the money is placed into a trust fund earning 7.24% compounded annually, which is the better option and by how much? The (Rou option is better by $ arest cent as needed. Round all intermediate values to six decimal places as needed.) quarterly payments lump sum