Okay, let’s tackle this. So Debra has 11 years of experience as an underwriter, which is a mid-level position. Her skills in Microsoft Office, Excel, and Word are in demand, but not extremely rare. She also has teaching experience, which adds some value. Location is Marysville, Washington, which is a mid-sized city. Industry standards for underwriters in this area might be around $30-$60 per hour. Considering her experience and skills, I'll estimate a rate at the lower end of that range, around $45 per hour.