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Heading through the Beltway traffic on my way to the NCUA offices in Alexandria, Va., as the acting chairman of the agency on Sept. 11, 2001, I learned from radio reports that two of the World Trade Center towers had been hit by commercial jets–obviously no coincidence. But the far-reaching aspects of that day were brought even more to bear when I walked into my offices that Tuesday morning to see the smoke rising outside my  windows that faced the Pentagon.

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