Okay, let’s calculate this. Beth has 28 years of experience in commercial lending, which is a highly specialized field. Her experience at TD Banknorth Insurance Agency and TD is impressive. In the banking industry, commercial lending professionals with her level of experience typically charge higher rates. However, considering the current market conditions and the fact that she's not in a senior management position, I'll estimate her hourly rate to be around $125. This is slightly lower than the average rate for commercial lenders in the US, which can range from $150 to $250 per hour, depending on the location and industry demand.