Design a realistic, high-resolution image showing a Florida homeowner sitting at a kitchen table, surrounded by bills. The homeowner should appear stressed and overwhelmed, with a visible stack of utility bills in front of them. The background should subtly display old, inefficient home systems, like a manual thermostat and drafty windows, indicating the sources of their financial strain. The image should have a balanced composition, leaving ample space to the side for accompanying text. Use a muted color palette with #141414 (deep grey) and #222222 (dark grey) for the shadows and background, and incorporate accents of #98CB03 (green) on key elements like the bills or thermostat to tie the scene to your brand.