September 11th is always a tough day for me. I will never forget watching the late Mark Haines on CNBC describe the horrible events as they were unfolding. One of my brokers at Sandler O’Neill perished in the South Tower of the World Trade Center. I had received a fax from him only a few days before the tragedy. My wife and I attended a benefit concert at Madison Square Garden sponsored by the Robin Hood Foundation a mere 3-4 weeks after the tragedy.That concert remains one of the most powerful and inspirational events of my life.