“He just lies about everything,” she said.

Retirees have long flocked to Florida’s warm climate and white sandy beaches, where they’ve gained outsized political sway in the nation’s largest swing state. In the 2012 presidential election, voters 65 and older comprised 26 percent of all votes, a number that jumped to 30 percent in 2016.

Now recent polls show Trump’s comfortable cushion with Florida seniors eroding in a state where campaigns are won on the thinnest of margins.

But that comfortable cushion with senior voters is growing thin this year. A September poll from AARP had Biden up one point with voters older than 65, within the survey’s margin of error.

Monmouth this month released a poll showing Trump up 49-47 with voters 65 and older, within the margin of error.

Other polls show Trump maintaining a lead with seniors. A CBS News poll had Trump up 53-44, and the president’s campaign volunteered internal Republican National Committee numbers that put Trump up 51-43 with voters 65 and older.

“Republicans have had a varying double-digit margin with 65-plus voters in recent statewide races at the top of the ticket,” said David Johnson, a Republican consultant in Florida. “It’s an age gap with younger voters that statewide Republicans have had to address both now and in the future.”

Trump continues to dominate with older white voters in the state, 54-43, and trails Biden among senior voters of color by 17 points, a much smaller margin than the 54-point advantage Biden has among that group nationally, the Monmouth poll found.

Trump carried the group by 17 points that year, according to exit polls, the same margin won by Republican candidate Mitt Romney in 2012. John McCain won the senior vote by 8 points in 2008, and George W. Bush had a 4-point advantage in 2004.

Ryan Tyson, a Florida Republican pollster and founder of the Tyson Group, said Biden is running up against a ceiling of 38 percent with white voters that other Democrats almost always hit in Florida.

“Biden might be doing a point or two better than Hillary Clinton did in 2016,” Tyson said of the race for Florida’s senior vote. “But he is hitting the same ceiling with white voters that Hillary Clinton and [2016 Democratic gubernatorial candidate] Andrew Gillum did. If Democrats figure that out, they win the state. But they have not.”

To break out, Biden has put more than $700,000 into a Florida ad highlighting Trump’s “planned cuts to Social Security.” The ad references an August executive order from Trump that would temporarily suspend the collection of payroll taxes, which fund Social Security. It’s Biden’s seventh senior-focused ad.

In a Tampa Bay Times op-ed, Biden wrote about “Donna and Roger” from The Villages, a retirement community north of Orlando, and how Trump’s mishandling of the coronavirus pandemic left them unable to see their grandchildren.

“Jill and I feel the same way about not seeing our grandchildren as much as we want to,” Biden wrote. “Video calls are great, but they’re just not the same, especially after six months of being away from the ones you love the most at the time in your life you need them the most.”

Trump last week rolled out a package of health care-focused promises, including mailing $200 drug discount cards to retirees before Election Day to defray the cost of prescription drug co-pays, a push to end the practice of surprise medical billing, and a pledge to protect insurance coverage for people with preexisting conditions.

And, like Biden, Trump also is tapping into fear. One campaign ad contemplates a lawless future if Biden becomes president. The 30-second spot concludes with “You won’t be safe in Biden’s America”. Trump’s campaign has so far put $1.1 million behind the ad in Florida, of which more than $400,000 was spent in the Orlando media market, home to The Villages.

The Villages, home to some 130,000 retirees, for years has been a reliable feeder of Republican votes as conservative-leaning, white voters from the upper Midwest move to the community.

The region remains overwhelmingly Republican, but during the 2020 cycle Democrats have shown signs of life, putting together large parades of golf carts — the favored means of transportation — in support of Biden and building their ranks within The Villages Democratic clubs.

“For the longest time, Democrats would only whisper around this place. I’ve put a great deal of effort into trying to make us a bit louder,” said Chris Stanley, head of The Villages Democratic Club. “What really helped me, and it’s kind of ironic, was Trump. It’s really been over the past four years where Democrats have become more visible.”

Ed McGinty, who moved from the Philadelphia suburbs to The Villages in 2015, has become the poster child for a Democratic resonance in the conservative stronghold. He has gotten national attention recently of holding anti-Trump signs along the roadways and golf cart paths that run through the massive development.

He said the motivation came shortly after a neighbor physically threatened him because he was wearing a hat supporting Massachusetts Democratic Sen. Elizabeth Warren.

“He said if I keep wearing the hat, I should make sure my life insurance is good,” McGinty said of the exchange, which happened shortly after Trump’s 2016 win. “I’m just really not someone who takes threats well. So, I thought I’d show those mother f------.”

He said The Villages has always been political, but in the months leading up to the 2020 race, things have gotten worse.

“I’m the most hated man in The Villages, and I say that with all sincerity” he said. “But that’s OK.”