Okay, let’s tackle this. So Tom Kessler has 45 years of experience in banking, which is extremely long. Typically, experienced banking professionals can charge higher rates. However, the rate also depends on the specific role and industry. In this case, Tom is an operations manager, which is a mid-level position. Considering his extensive experience, I would estimate his hourly rate to be around $75, which is a reasonable rate for a banking executive with his level of experience.