in FORTRAN, COBOL and BASIC languages on IBM mainframe computer doing real time applications on freight car locations as well as miscellaneous business programming.     Saved the company approximately $2.3 million by designing a better program to handle both automatic banking and collection of receivables.     Helped design a new freight car location computer program, which provided better information about the storage location of empty freight cars. This resulted in an increase in car utilization from 60% to 65%.     Bookkeeping     I had several part time jobs doing bookkeeping while attending programming school.     EDUCATION: Bachelor of Arts Degree, History, San Jose State College, 1970   Master of Arts Degree, History, University of California, Berkeley, 1973     HOBBIES Certified Programmer, ACME Programming School, 1978   Active in Boy Scouts and United Way; handicap golfer.           The next resume typifies people who see their potential business as offering a chance for self- expression as well as profit. Individuals in an art or craft field often want to begin a business primarily to work in an area they love. Normally this sort of business starts and stays small because the business owners want to keep their hands on a cherished activity rather than achieve big profits or learn the business skills needed to handle fast growth.     Sally Baldwin loves to work with fabric and color and has become expert at helping people create a pleasant living and work environment. She needs money to open her own small interior decorating business.           Resume   Sally Baldwin Commission Sales, Marthas Interior Design Studio (1985 to present)     Work on commission for a full line interior design studio. Prospect for people who wish to redecorate, prepare a design plan for the project, purchase the supplies and materials necessary,