CINCINNATI, Ohio /ScoopCloud/ -- "¿Cuánto dinero tiene Usted, señorita?" How much money do you have, Miss? barked la policía in the middle of the night at the then 17-year-old American high school exchange student Margaret Hayes, now author of the newly published book "Fearless Foreign Language" (ISBN 978-0578356853) and founder of Sit Down & Speak Up! Media.