Carl Hightop, a popular basketball player, has been offered a three-year salary deal. He can either accept $4,100,000 now or accept monthly amounts of $120,000 payable at the end of each month. If money can be invested at 4.1% compounded semi-annually, which option is the better option for Carl and by how much? The option is better by $0 (Round the final answer to the nearest cent as needed. Round all intermediate values to six decimal places as needed.)