Okay, let’s tackle this. So Bob Montgomery has 28 years of experience in banking, which is a significant amount of time. He has held leadership positions at Bank of America, which is a well-established financial institution. His expertise in commercial lending, credit analysis, and strategic planning are all in demand. Location is Dallas, Texas, which is a major financial hub. Considering his experience, leadership positions, and industry demand, I would estimate his hourly rate to be around $250. This is slightly lower than what top bankers with similar experience might charge, but it's still a competitive rate for someone with Bob's background and expertise.