Okay, let’s tackle this. So Mohamad has 17 years of experience in the insurance industry, which is a significant amount of time. His skills in account reconciliation, medical underwriting, and financial accounting are in demand. Location is Lebanon, which is a Middle Eastern country with a relatively lower cost of living compared to Western countries. Considering his experience and skills, I would estimate his hourly rate to be around $75, which is a reasonable rate for an insurance professional in Lebanon. This rate is also lower than what I would expect for someone with similar experience in Western countries, but it's still a competitive rate for the region.