Diane: As we both know, the population of this country is aging. Elderly people generally prefer not to live in harsh climates characterized by extreme temperatures. Accordingly, in this country's coastal regions, where the climate is generally most temperate, the population is likely to grow, while other regions are likely to suffer population declines.
Paul: I disagree. With few exceptions, regions where the climate is harsh are characterized by comparatively low living costs, a compelling factor for retired people with little savings and on fixed incomes.
Which of the following is the most likely point of disagreement between Diane and Paul?