Okay, let’s tackle this. So Ralph Zimak has 36 years of experience in corporate risk management, which is a significant amount of time. His experience spans multiple companies, including CIT Group and CIT, which suggests a strong track record. The industry for risk management professionals is relatively stable, with a demand for experts like him. Considering his extensive experience and leadership positions, I would estimate his hourly rate to be around $200, which is in line with what I've seen for senior risk management professionals in the finance sector. This rate is also reflective of the fact that Ralph is based in Livingston, New Jersey, which is a relatively expensive area to live and work.