Okay, let’s tackle this. So Denise Lundy has 16 years of experience as an insurance professional, which is a significant amount of time. Her skills in team building, strategic planning, public speaking, and new business development are also valuable. However, her experience is in the insurance industry, which may have lower pay rates compared to other industries. Location is San Bernardino, California, which is not a major hub for insurance professionals. Considering these factors, I estimate her hourly rate to be around $75, which is a reasonable rate for an insurance professional with her experience and skills.