I was getting ready to leave with my husband to look at a landscaping job he'd just gotten. I had left the financial services industry I'd been in for over a decade. Still had and have many friends who are in. The TV was on and we watched the second plane hit the tower live.

It was surreal for me. I had worked in the North tower for almost a year when I started working for Wall Street firms. Went to work every day there, my firm had several floors up in the 70s, and had been to Windows on the World many times.

What I couldn't shake was how narrow the windows were up there and how we used to watch the helicopters below us. How high up and how desperate you would have had to be to knock out and jump out of those skinny windows. It still haunts me today.

The markets didn't open that morning, and I kept in touch with my friends on what was breaking on the wire services. After the Pentagon got hit we were all freaking out. We knew we were under attack and we knew it was gonna be bad for the markets, so we were happy for a non-opening. Grown men, my friends, were choking back tears of fright and disbelief.

Sept. 11 is always a difficult day for me psychologically.