Okay, let’s tackle this. So Terese has 45 years of experience as an IT consultant, which is extremely rare. Typically, IT consultants with 10-20 years of experience charge around $50-$100 per hour. However, Terese’s 45 years of experience, combined with her presence in the insurance industry, suggest she might be on the higher end of the scale. Considering her extensive experience, I would estimate her hourly rate to be around $75, which is still relatively low compared to other IT professionals with similar experience. Some IT consultants with 45+ years of experience can charge upwards of $200 per hour, but that might be stretching it for Terese’s role and industry.