As I sit here at my desk this morning, I remember that I was doing the same thing at 8:46 a.m. on September 11, 2001 — sitting in my Lehman Brothers office on the 10th floor of the American Express Tower of the World Financial Center checking the screens trying to figure out what happened overnight.  Many of you were undoubtedly doing the same thing.  And then the world changed.

Nineteen years later memories of that morning still bring tears to my eyes.  I guess that will always be the case.