Not long ago, a jaw-dropping image flashed across my phone screen – a breathtaking shot of the Twin Towers in Manhattan ... people who remember what it was like to bathe on that beach ...

This would have been a good day to be late for work. But Fred Eichler, a 54-year-old insurance broker, was invariably punctual. On September 11 last year, he arrived at his office on the 83rd ...