Okay, let’s calculate this. So Khanh has 9+ years of experience as an insurance underwriter, which is a solid foundation. However, the industry average for underwriters in the US is around $40-$70 per hour, according to the Bureau of Labor Statistics. Considering Khanh’s location in Santa Rosa, California, which is a relatively expensive area, I'll add a premium. Let’s say 10-20% more than the national average. That brings us to $44-$77 per hour. Since Khanh has a Bachelor's degree, which is a plus, I'll round down to $80 per hour, which is a reasonable estimate for an entry-level to mid-level underwriter in this region.