Given phrases that describe the relationship between two words/phrases as options, extract the word/phrase pair and the corresponding lexical relationship between them from the input text. The output format should be "relation1: word1, word2; relation2: word3, word4". Options: product/material produced, manufacturer, distributed by, industry, position held, original broadcaster, owned by, founded by, distribution format, headquarters location, stock exchange, currency, parent organization, chief executive officer, director/manager, owner of, operator, member of, employer, chairperson, platform, subsidiary, legal form, publisher, developer, brand, business division, location of formation, creator.

The highest average closing costs vary from state to state with the highest costs occurring in Hawaii at $2,163, followed by New Jersey at $2,094, Connecticut at $2,033, West Virginia at $1,971 and Arizona at $1,969.

Answer: location_of_formation: Arizona, New Jersey