Okay, let’s tackle this. So John has skills like loans, customer service, and commercial lending, which are in demand. However, his language skills are limited to English and Pig Latin, which might affect his earning potential. Location is Grand Rapids, Michigan, which is not a major financial hub. Considering his skills and location, I’ll estimate his hourly rate to be on the lower side. Maybe around $75 per hour, which is a rough estimate for a banking professional with limited language skills and in a smaller location. Some banking professionals with similar skills might charge $100–$150 per hour, but John’s limited language proficiency and location bring the rate down.