Okay, let’s tackle this. So Karen has 25 years of experience in reinsurance, which is a niche field. Her experience as a Reinsurance Lead Business Analyst at StoneRiver and Reinsurance Underwriter at United Fire Group suggests she’s got a strong understanding of the industry. Her skills in business analysis, process improvement, and software documentation are also in demand. Location is Cedar Rapids, Iowa, which is a mid-sized city. Industry demand for reinsurance professionals is moderate. Considering her experience and skills, maybe around $100–$150 per hour? But given her 25 years of experience, maybe higher. Some reinsurance professionals with similar experience might average $120–$180. So I’ll estimate around $125