Okay, let’s tackle this. So Robert Stclair has 19 years of experience in commercial lending and leadership roles, which is a significant amount of time. He has worked at two major banks, Bank of America and First Bank, which are well-established institutions. The location is Ketchikan, Alaska, which is a smaller market. Considering the industry demand for commercial lenders and the level of experience, I would estimate his hourly rate to be around $120. This is slightly lower than the national average for commercial lenders in the US, but taking into account the smaller market and less experience compared to larger markets, it's a reasonable estimate.