Okay, let’s tackle this. So John Agan has 9 years of experience in credit management, which is a specialized field. His role as EVP at Extraco Banks is a high-level position, indicating significant responsibility. He also has skills like financial analysis, public speaking, and risk management, which are in demand. Location is Temple, Texas, which is a smaller market. Considering his experience, skills, and role, I would estimate his hourly rate to be around $150. This is lower than what a senior executive in a large bank might charge, but higher than what a junior professional would earn. It's a reasonable estimate based on industry benchmarks and the value he brings to his organization.