Okay, let’s calculate this. So Virginia has 20+ years of experience as an application developer, which is a solid amount of time to have developed skills. The insurance industry is known to pay developers well, especially those with long tenures. However, the rate of $125 per hour seems a bit low considering the experience and location. A more realistic estimate would be in the range of $200-$300 per hour, considering the industry standards and her level of experience. But, since I don’t have any specific data on application developers in the insurance industry, I’ll take a conservative approach and estimate around $125 per hour.