Okay, let’s tackle this. So Jeff Morse has a strong background in lending and banking, with experience in FHA lending, commercial lending, and consumer lending. He's also an executive leader, having served as President and CEO of a credit union. Location is Spofford, New Hampshire, which is a relatively small market. Considering his experience and industry, I'd estimate his hourly rate to be around $150. This is slightly below the national average for loan officers and lenders, but reflects his executive leadership role and smaller market location.