JoAnn Mills Laing has a Harvard MBA and global work and living experience with four public companies (Sara Lee, Olivetti, Chase and Citigroup), as well as running her own ecommerce-based businesses. As Chairman of Cybernautics, a premier Audience Development Company, she took the company from idea to profitability and its purchase/IPO (by U.S. Web). Laing is currently the President of Information Strategies, Inc. a consulting firm to small businesses based in Fort Lee, New Jersey. She has been studying the HSAs marketplace while overseeing the management of Small Business Digest, an online new...