Okay, let’s calculate Chet’s rate. He has a broad range of skills, including commercial lending, cash management, and strategic planning. These skills are in demand in the banking industry, especially in commercial banking. However, his location in Lowell, Massachusetts, is a smaller market compared to major cities like New York or Boston. Considering his skills and experience, I would estimate his hourly rate to be around $120, which is below the national average for a banking professional with similar skills. This rate is also lower than what I would expect for someone in a larger market. However, it's still a competitive rate for someone with Chet's background and experience in a smaller market.