Okay, let’s tackle this. So Gayna has 46 years of experience in banking, which is extremely long-term. Typically, banking professionals with this level of experience can expect to charge higher rates. However, her role is in information services operations, which might be less demanding than other banking roles. Considering her location in Folsom, California, and her extensive experience, I'll estimate her rate to be around $75 per hour, which is relatively low compared to other professionals with similar experience. This is likely due to her role being less demanding and the fact that she's not in a high-demand field like investment banking or finance.