The beginning of last year was hectic for Francesca Cisneros, an energetic young businesswoman who was heading up a new mortgage office in Phoenix. She was working 12-hour-plus days, zooming around town to meetings with her phone earpiece under her long, dark hair and her Blackberry within arm's reach. Cisneros, 33, was a leadfoot in her 2002 Honda Civic. She wasn't reckless — she just had little respect for speed limits. She'd been pulled over once and received photo-enforcement notices in the mail for her speeding in the previous three years, but couldn't seem to break the habit...READ MORE
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