You've just been hired at a new job. You expect to work there for 4 years. Your boss offers you a hiring bonus of either $3,999 today, or an additional $46 per month, starting next month, on your salary. If your investments earn 3.62% 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.