Bachelor of Science in Foreign Svc./International Relations, Georgetown University, 1972. Master of Science in Economics, London School of Economics, 1973.
Associate planner, Port of Portland, Oregon, 1974-1975; senior planner for marine terminals and economics development, Port of Portland, 1975-1977; independent consultant, The World Bank and United Nations Development Program, Washington, 1978-1984; founding partner, Preinvest, Inc., Bethesda, Maryland., since 1984. Vice-chairman Clarke County Planning Commission, Berryville, Virginia, since 1990. Member Clarke County History Preservation Commission, Berryville, since 1992, Clarke County Sanitary Authority, Berryville, 1994-1995.
Volunteer Winchester (Virginia) Medical Center, 1978-1984. Event chairman Handley Library., Winchester, 1982-1984. Volunteer coordinator Virginia Department Transportation Road Pick-Ups Crews, since 1991.
Director Friends of the State Arboretum of Virginia, since 1990. President, trustee Belle Grove, Inc.-National Trust for Historic Preservation Property, 1995-1997. Member American Planning Association, International Association Maritime Economists.
Married John William Ghramm, November 11, 1978. Children: Shannon Morgan, Lindsay Havens.