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Do you remember where you were when the planes crashed into the World Trade Center? For most first responders the answer is indelibly etched into their memories. (Photo: AP/Mark Lennihan)

When asked to pen a 9/11 commemoration article for National Underwriter, I have to admit I was a little overwhelmed. Not being directly affected by the loss of family or friends, I was afraid I could not convey the magnitude or the emotional impact of the event.

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