Fulton's universal Schubert polynomials [F3]
represent degeneracy loci for morphisms of vector bundles with
rank conditions coming from a permutation. The quiver formula of
Buch and Fulton [BF] expresses these polynomials as an
integer linear combination of products of Schur determinants.
We present a positive, nonrecursive combinatorial formula for the
coefficients. Our result is applied to obtain new expansions for
the Schubert polynomials of Lascoux and Schützenberger [LS1]
and explicit Giambelli formulas in the classical and quantum
cohomology ring of any partial flag variety.