Here's a good read:
http://ballpython.ca/genetics.html
Just follow the links on his page for more in-depth explanation.
Add: If you just want a pied as a pet, you're better off saving your pennies and going to reptile shows for a good deal. By the time you put together the incubator and get a good thermostat for it, you're halfway to the cost of a mid-white male pied. I know you said female, but they don't exactly have different personalities based on gender, so I'm not sure that it should matter if you don't really care to breed.
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