Okay, let’s calculate this. So Elaine has skills like customer service, commercial banking, and credit analysis, which are in demand. However, her role seems to be more on the customer service side, considering her skills. In the banking industry, customer service representatives can charge around $15-$25 per hour. However, considering her experience and skills, maybe she can charge a bit higher. Let’s look at the average salary for a customer service representative in Baltimore, MD. According to the Bureau of Labor Statistics, the average hourly wage for customer service representatives in the Baltimore-Columbia-Towson, MD Metropolitan Division is around $18-$20 per hour. So I’ll estimate around $65 per hour, considering her experience and skills.