Okay, let’s break this down. Kirsten has a broad range of skills that are valuable in the banking industry. Her experience in mortgage lending, credit analysis, and strategic planning are in demand. However, her role as a banking professional in Danville, California, might not be in the highest demand compared to other locations. Considering her skills and experience, I would estimate her hourly rate to be around $125. This is slightly below the national average for banking professionals with similar skills, but it's still a competitive rate. Some banking professionals with similar skills in the Bay Area might charge higher rates, but this is a conservative estimate based on national averages and the specific location.