Before sunrise on September 11, 2001, my rowing partner, Mary, and I, were already on the water for our morning workout. As darkness imperceptibly gave way to light, the bay was calm, the air was clear—an absolutely beautiful day dawned. We glided past herons and egrets, enjoying the quiet peace of Nature. A couple of hours later, I was driving to a 10 a.m. meeting when I heard something on the car radio about a small plane crashing into the World Trade Center in New York City. By the time I reached my client's office, all of her co-workers were standing around a radio. Both towers of the World Trade Center were hit, and the announcers were talking about a terrorist attack. “What do you …

