MS. NICOLE SCHAPIRO is president of Nicole Schapiro & Associates (NSA). NSA designs and delivers development programs, as well as presenting customized solutions for major organizations in private and public sectors, nonprofit agencies, educational institutions and associations both locally and globally. The New York Times describes Ms. Schapiro as "a role model for all people who want to succeed and are not afraid of the odds." At age 15 Nicole fled alone from Communist Hungary to the United States. Speaking no English, she lived as a "homeless" person in New York City for one year. Through her persistent negotiating she received a scholarship to the University of Chicago, earning a BS in Psychology, and later a MA in Industrial Psychology from NYU. Before the age of 30 she became the first woman Senior Vice-President of Sales and Marketing at Citicorp in New York. Ms. Schapiro is also the New York Times best selling author of Negotiating for Your Life, reviewed by the San Francisco Chronicle as "this year's best contribution to business self-help books." She has been a guest on national radio and TV shows such as Oprah, CNN and BBC to name a few. Ms. Schapiro appears in Who's Who in Finance and Industry. She has received many awards and was recently honored as a 21st Century Dynamic Woman by the American Business Women's Association.