Okay, let’s tackle this. So Stephanie Higbee has 23 years of experience in management, which is a significant amount. Location is Salt Lake City, Utah, which is a relatively lower-cost-of-living area. Industry is finance, which is a stable sector. Her role as Manager of Insurance Services suggests she has expertise in financial management, risk management, and possibly regulatory compliance. Considering these factors, her hourly rate might be on the lower side of the industry average. A rough estimate for a finance professional with her experience and location would be around $75 per hour, considering national averages for similar roles in the US.