Okay, let’s tackle this. So Debbie McDonald has 47 years of experience in insurance, which is extremely rare and valuable. Her role as Vice President at Schoenfeld Insurance Associates indicates a high level of seniority. Skills like leadership, underwriting, and business development are in demand, especially in the insurance industry. Location is Baltimore, MD, which is a mid-sized market. Industry standards for experienced insurance professionals in this role might be around $100-$200 per hour. However, considering her extensive experience and seniority, I'll estimate a slightly lower rate, around $125 per hour.