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(D) The standard of living is a complex socio-economic indicator that is negatively impacted by multiple environmental and social factors.$1$. Polluti

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$A$ and $B$ both

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(D) The standard of living is a complex socio-economic indicator that is negatively impacted by multiple environmental and social factors.$1$. Pollution significantly degrades health,reduces productivity,and increases the cost of living,thereby lowering the standard of living.$2$. Housing problems,such as lack of affordable or adequate shelter,directly impact the quality of life and social stability.$3$. While population growth rate is a major driver of these issues,pollution and housing problems are direct,tangible factors that immediately affect the daily standard of living for individuals. Therefore,both $A$ and $B$ are primary contributors to this decline.

The standard of living is very badly affected by

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