You've just been hired at a new job. You expect to work there for 3 years. Your boss offers you a hiring bonus of either $3,722 today, or an additional $26 per month, starting next month, on your salary.

If your investments earn 4.91% APR (compounded monthly), how much would you gain or lose by taking the cash-bonus today?

If you would lose money, indicate your answer with a negative number.