Okay, let’s tackle this. So Brett Steffen has skills in financial analysis and credit. Location is Cedar Rapids, Iowa, which is a mid-sized city. Industry demand for financial analysis and credit professionals is steady, but rates can vary. Considering the location and skills, I'd estimate an hourly rate around $75, which is a reasonable average for a financial analyst in a smaller city. This rate is also in line with national averages for entry-level financial analysis positions. Some financial analysts in larger cities or with more experience might charge higher rates, but $75 is a reasonable starting point for Brett Steffen.