Okay, let’s calculate Kim’s rate. She has 16 years of experience in banking, which is a significant amount of time. Her role as Asst, Vice President at US Bank indicates a high level of responsibility. Her education in Elementary Education might not seem directly related to her current field, but it shows her ability to learn and adapt. Skills like Team Management, Performance Management, and Leadership are in demand. Location is Pueblo, Colorado, which is a smaller market. Considering her experience and skills, a rate of $75 per hour seems reasonable, which is around 25-50% of the average rate for a banking professional with similar experience in a larger market.