You are given a choice of taking the simple interest on $100,000 invested for 3 years at a rate of 4% or the interest on $100,000 invested for 3 years at an interest rate of 4% compounded monthly. Which investment earns the greater amount of interest? Give the difference between the amounts of interest earned by the two investments. The investment with interest earns $ more in interest. (Round to the nearest cent as needed.)

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