Okay, let’s tackle this. So Kelly Austin has 32 years of experience in banking and mortgage lending, which is a significant amount of time. He’s currently a Vice-President at Landmark National Bank, which is a substantial role. Skills like credit analysis, underwriting, and loan origination are in demand. Location is Manhattan, Kansas, which is a smaller market. Banking professionals with his level of experience, especially in mortgage lending, typically charge higher rates. Maybe around $200–$300 per hour? But considering his seniority and role, maybe higher. Some banking professionals with similar experience might average $250–$350. So I’ll estimate around $225