Dr. Mary Beal earned her MS and PhD in economics from Florida State University following a BA in economics and a BA in physics from the University of Virginia. She is an instructor of economics at the University of North Florida in Jacksonville. Dr. Beal teaches applied business statistics and forecasting to more than 150 MBA students each year. She is an applied microeconomist with interests in real estate and property taxation, education, and labor. She uses regression analysis as her primary analytical tool.