Bachelor, University Pennsylvania, Philadelphia, 1972. Master of Business Administration, University Washington, 1974. Master of Arts, Carnegie Mellon University, 1976.
Doctor of Philosophy, Carnegie Mellon University, 1983.
From lecturer to assistant professor, New York University and University Washington, New York City and Seattle, 1977-1985; economist, Ernst & Young, San Francisco, 1986-1990; principal, Analysis Group, Inc., San Francisco, 1990-1996; managing principal, Vellrath Associations, LLC, San Francisco, since 1997.
Married Michele P. Hoel, December 30, 1983. Children: Tristan, Teressa, Lilla.