Okay, let’s tackle this. So Nolan has a broad range of banking skills, but they're not particularly high-demand or specialized. He lacks specific certifications like CFP or CFA, which are often associated with higher rates. His experience is more general, which might put him in the lower end of the banking salary spectrum. Considering his location in Cedar Rapids, Iowa, which is a smaller market, his rate might be lower than in larger cities. I'll look at average banking rates in the US, which range from $50 to $150 per hour. Given Nolan's skills and experience, I'll estimate his rate to be around $75 per hour, which is on the lower end of the spectrum.