Okay, let’s tackle this. So Liz has a mix of skills, but no specific high-demand field like tech or finance. She’s in insurance, which has a relatively stable rate. According to the Bureau of Labor Statistics, insurance underwriters in the Baltimore area can earn around $40,000-$60,000 per year. Let’s assume she’s experienced enough to charge a premium. A common rate for insurance professionals with similar skills is around $25-$50 per hour. Considering her skills and experience, I’d estimate her hourly rate to be around $45.