Okay, let’s tackle this. So Stephen Kossman has 20+ years of experience as an actuary and executive. He holds an M.S. in Operations Research from Johns Hopkins. Skills like actuarial science, strategic planning, and reinsurance are in demand. Location is Baltimore, MD, which is a mid-sized market. Actuaries with his level of experience, especially in reinsurance, typically charge higher rates. Maybe around $200–$300 per hour? But considering his advanced degree and executive experience, maybe higher. Some top actuaries can charge $400+. Let’s check averages. Actuaries with his background might average $250–$350. So I’ll estimate around $275