BA, Vassar College, 1978. Student, SUNY at Albany School of Social Welfare, 1978-1980. MBA. Yale University, 1982.
Commentator, producer Station WKIP Radio, Poughkeepsie, New York, 1974-1980. Manager, Director Public Policy Issues Analysis, Assistant Vice President, Vice President, Law and Regulatory Affairs, Aetna Life & Casualty Company, Hartford, Connecticut, 1982-1996, . Member insurance advisory committee RAND Institute for Civil Justice, Santa Monica, California, Senior Fellow, AEI-Brookings Center for Regulatory Studies, 1999-2003, Prinicipal, Pendell Consulting, LLC, 1999-present.
Chairman Dutchess County Executive's Task Force Emergency Housing, Poughkeepsie, 1980. President, board directors Family Counseling Services, Poughkeepsie, 1969-1973. Board directors United Way of Dutchess County, Poughkeepsie, 1976-1980, New York State United Way, Albany, 1978-1980.
Member Issues Management Association Clubs: Vassar (Hartford) (scholarship treasurer 1985-1987).
Married Thomas Gerow Pendell, November 25, 1961 (div. April 1979); children: Robert Gulian, Stephanie Wickett. Married Warren Bailey Azano, January 16, 1988.