Okay, let’s tackle this. So Theresa has 47 years of experience in nature photography, which is impressive. Her education in biology and pastoral ministry adds depth to her work. However, her current role as a self-employed photographer means she's not tied to a specific company or industry, which can impact her earning potential. Considering her skills and experience, I'd estimate her hourly rate to be around $125, which is slightly below the national average for photographers in the United States. This rate takes into account her location in Madison, Indiana, which may have a lower cost of living compared to major cities. Additionally, her self-employed status means she may not have access to the same benefits and perks as employees, which could affect her overall compensation.