Create a split-image that realistically contrasts two potential futures for a Florida homeowner. On the left side, depict a homeowner in a dimly lit room, looking frustrated as they hold a pile of unpaid bills, with inefficient home systems like an old HVAC unit and single-pane windows visible in the background. The right side of the image should show the same homeowner in a bright, modern room with energy-efficient upgrades like solar panels (#98CB03 (green)), a smart thermostat (#F5B00E (yellow)), and energy-efficient windows. The composition should naturally guide the eye from left to right, allowing space on the sides for text that compares the consequences of ignoring energy efficiency with the benefits of adopting it.