As I write this, it is Wednesday, September 12. That is, yesterday was September 11, a day we must never forget — or forgive. Although you won’t be reading this until October, it is impossible for me to not write about the tragedy we have faced. If you were hoping for an essay on technology and insurance, I apologize.

I spent the first 33 years of my life in the New York area, and I have many friends and family there. All, thankfully, safe. But everything has changed.

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