Read the three source notes for a source-based writing task. Source 1: A coastal planning brief says dunes and living shorelines can reduce erosion, but property owners worry about limits on seawalls. Source 2: A marine biologist supports nature-based protections while noting that storms may still exceed design expectations. Source 3: A budget analyst asks the town to compare maintenance costs, habitat benefits, and insurance implications. Which option best identifies the shared central issue without reducing the task to only one source, and names the most important concerns to compare?