Okay, let’s tackle this. So Lynn Mertz has 24 years of experience in commercial lending, which is a long tenure in the banking industry. Her role at People's United Bank is also a well-established position. Skills like commercial lending, financial solutions, and long-term client relationships are valuable in the banking sector. Location is Concord, New Hampshire, which is a smaller market. Salaries for commercial lenders in this region tend to be lower than in major cities. Considering her experience and role, a rate of $75 per hour seems reasonable, which is lower than average for a commercial lender with her experience in a larger market.