Okay, let’s tackle this. So Art has skills in loans, banking, finance, and portfolio management, which are in demand. He also has experience in leadership, process improvement, and risk management. Location is El Segundo, California, which is a hub for finance and banking. Industry demand for finance professionals with these skills is moderate to high. Considering his skills and location, I estimate his hourly rate to be around $125, which is below average for finance professionals in this area. However, this is a rough estimate and may vary based on specific company, industry, and experience.