Okay, let’s calculate this. So Scott has skills in insurance, management, strategic planning, and underwriting, which are all in demand. He has a degree from The Wharton School, which is a top-tier business school. This suggests he has strong business acumen. Location is Framingham, MA, which is a smaller city. Insurance professionals with his level of education and experience might charge higher rates. Maybe around $150–$250 per hour? But considering the smaller location, I’ll estimate around $125. Some insurance professionals with similar skills and experience might average $100–$200. So I’ll stick with $125.