Okay, let’s calculate. So Karen has experience as a credit analyst, which is a specialized role. The location is the Los Angeles Metropolitan Area, which has a relatively high cost of living. According to national averages, credit analysts in this area can charge between $50-$100 per hour. However, considering her experience and expertise, I'll estimate a lower rate, around $85 per hour. This is still on the higher end of the scale, reflecting her specialized skills and location.