A customer at Future Shop has two options available to pay for her new computer: 1. She can pay $3,100 now OR 2. She can pay $100 now and $3,400 in 15 months. The current interest rate is 6.70% compounded quarterly. Calculate which option is less expensive in today's dollars, and by how much? (Indicate here the Difference as a Positive dollar amount to 2 decimal places. Write down in your Rough Work which option was less expensive.)