Okay, let’s tackle this. So Sandra has a CIC certification, which is a well-known industry standard. She has skills in commercial insurance, property and casualty insurance, and underwriting, which are in demand. Location is Lebanon, Tennessee, which is a smaller market. Insurance professionals with her level of certification and skills might charge lower rates. Maybe around $50–$100 per hour? But considering her CIC certification, maybe higher. Some insurance professionals with similar certifications might average $75–$125. So I’ll estimate around $75.