Okay, let’s calculate Terry’s rate. He has a broad skill set in finance, including financial reporting, planning, and analysis, which are in demand. His experience in human resources and management adds to his value. Location is Wilmington, Delaware, which is a hub for finance and accounting. Considering his education from Wilmington University and certification as a Certified Design Accountant, I’d estimate his rate around $125 per hour, which is below average for finance professionals with similar credentials but still competitive given his broad skill set and location.