This is an article on Teresa Heinz Kerry, wife of United States Democratic Presidential candidate John Kerry. Midway through a speech at historically black Bethune-Cookman College in the once and future election battleground state of Florida, Teresa Heinz Kerry is taking a crowd of students on a tour of her world. Heinz Kerry once admitted she used Botox; she has, so far,declined to release her tax returns; and she often invokes the memory of her first husband, ketchup heir and Republican senator John Heinz, who died in a 1991 plane crash, leaving Heinz Kerry with a fortune valued at $500 million. Friends describe Heinz Kerry, 65, as perfectly willing to plan her husband's daily meals--" the old mom thing," she calls it--and at the same time able to run one of the country's largest private philanthropies, the $1.3 billion Heinz Endowments. Russ Martz, a retired Pittsburgh journalist, recalls showing up at the Heinz farm in the horsey Pittsburgh suburb of Fox Chapel to help John Heinz with his first run for Congress in 1970. After her husband's death, Heinz Kerry threw herself into running the Heinz foundations, creating an environmental research center in Washington, D.C., encouraging green architecture and shaping a prescription-drug plan that passed the Massachusetts legislature in 2001. INSET: LIVING LARGE.