Okay, let’s tackle this. So Peggy has 23 years of experience as an Accountant, which is a significant amount of time. Location is Baltimore, MD, which is a relatively affordable area. Industry standards for Accountants in the US typically range from $40-$100 per hour, depending on experience and location. Considering her 23 years of experience, I would estimate her rate to be on the lower end of the range, around $75 per hour. This is also influenced by her current role at the University of Maryland Baltimore County, which may not be a high-paying institution. Some entry-level Accountants in the area might charge $40-$60 per hour, so Peggy’s rate is slightly above that. However, her extensive experience and expertise likely justify a premium, but not excessively so.