Evy Garcia speaks both Spanish and English fluently. But this summer she was working hard to add some German to her repertoire. Garcia, second vice president, advertising and international relations, for Pan-Am-erican Life Insurance Company, was preparing to take 150 top agents to Austria for their President's Club incentive meeting in September.

"I love languages," Garcia says. "I love going to different countries and being able to speak with people in their language." In fact, among

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