Okay, let’s tackle this. So Emily has a range of skills, but they don’t seem to be in a high-demand field like tech or finance. Her certification is in insurance, which might not be as lucrative. Location is Baltimore, MD, which isn’t a major hub for her skills. I’m estimating around $45 per hour, which is on the lower end for someone with her skills and certification. Maybe $60–$80 per hour for someone with similar skills in a different location, but not here. Considering the lower demand for her skills and the lower cost of living in Baltimore, I think $45 is a reasonable estimate.