Okay, let’s tackle this. So Chris has 22 years of experience in banking, which is a decent amount of time. However, his role is now retired, which might impact his earning potential. Skills like banking, lending, and credit analysis are in demand, but the industry is highly competitive. Location is Pueblo, Colorado, which might affect his earning potential compared to larger cities. Considering his experience and skills, I would estimate his hourly rate to be around $75, which is on the lower side for a banking professional with his background. Maybe he could charge more if he were actively working in the field, but as a retired professional, his earning potential is lower.