Okay, let’s tackle this. So Shelley has 36 years of experience in mortgage lending, which is a long time. Location is Davis, California, which is a relatively expensive area. Industry demand for mortgage professionals is steady, but rates can vary depending on experience and location. Generally, mortgage lending professionals with 30+ years of experience can charge higher rates. Maybe around $75–$125 per hour? But considering her extensive experience, maybe higher. Some mortgage lenders with similar experience might average $100–$150. So I’ll estimate around $75, taking into account her long tenure and location.