Mind Over Ship — David Marusek

The year is 2135, and the international program to seed the galaxy with human colonies has stalled as greedy, immoral powerbrokers park their starships in Earth's orbit and begin to convert them into space condos. Ellen Starke's head, rescued from the fiery crash that killed her mother, struggles to regrow a new body in time to restore her dead mother's financial empire. And Pre-Singularity AIs conspire to join the human race just as human clones, such as Mary Skarland and her sisters, want nothing more than to leave it.