Yes, I am employed by a consulting firm to an employer who wants me to go full time at a much lesser rate. As a contractor, I'm at 45 per hour (avg 90k year). but the employer wants me in at 65,000 per yr. I agree, I too was at 90.00 per hour. but the last feew years have taken their toll, so I'm happy to be at 45.00. but the 65,000 per yr seems very low. What does everyone think?