Okay, let’s tackle this. So Ruth-ann has 13 years of experience as an insurance broker. This is a relatively long tenure, but the role of a broker/CSR tends to be more transactional than high-level strategic. Location is Huron, Ontario, Canada, which is a smaller market. Insurance professionals in Canada, especially in roles like broker/CSR, tend to charge lower rates compared to those in larger cities or more senior roles. According to industry benchmarks, broker/CSR roles in Canada can range from $40 to $80 per hour. Considering her experience and location, I estimate her hourly rate to be around $75.