Okay, let’s calculate this. Carmel has 26 years of experience in finance, which is a significant amount. Her skills include financial analysis, strategic planning, and corporate finance, which are in demand. However, her location is Auckland, New Zealand, which may have a lower cost of living compared to major US or European cities. Considering her experience and skills, a rate of $125 per hour seems reasonable, which is lower than what I would expect for similar professionals in more expensive locations. This rate is also lower than the average rate for finance professionals in New Zealand, which is around $150-$200 per hour. So, I’m being conservative here.