You will need at least $5,100 in four years and your friend says she can either loan you $5,100 all at once four years from now or she can deposit $1,275 in your savings account at the end of each year for the next four years. Your savings account earns 9% interest, compounded annually. Which option would be worth more to you four years from now, and how much more? (Future Value of $1, Present Value of $1, Future Value Annuity of $1, Present Value Annuity of $1.) (Use appropriate factor from the PV tables. Round your final answer to the nearest dollar amount.)