Create a split-screen, realistic infographic-style image that contrasts the potential futures of a Florida homeowner. On the left side, depict the homeowner in a dimly lit room, surrounded by unpaid bills and inefficient home systems like an old HVAC unit and single-pane windows. The homeowner should appear tired and frustrated, emphasizing the emotional toll of high energy costs. Use #141414 (deep grey) and #222222 (dark grey) to underscore the somber tone. On the right side, show the same homeowner in a bright, modern room with upgraded energy-efficient systems like solar panels (#98CB03 (green)), a smart thermostat (#F5B00E (yellow)), and energy-efficient windows. The right side should have a clean, hopeful atmosphere, with #99CC01 (lime green) and #F0F0EE (light grey) creating a fresh, optimistic feel. The left and right sides should each have space for text, allowing for a clear explanation of the consequences of neglecting energy efficiency versus the benefits of investing in it.