Okay, let’s tackle this. So Stephanie has skills like credit analysis, commercial lending, and mortgage banking, which are in demand. She’s based in Tulsa, OK, which might be a smaller market, but still has a need for finance professionals. Her skills and experience suggest she could charge around $90 per hour, which is lower than what someone with similar skills in a larger market like New York City might charge. However, considering the local market and her expertise, this seems like a reasonable estimate.