At 49, Angela Kyte was planning to retire in a year or two. She and her husband, Roger, had saved money and were fixing up a retirement home on Cape Cod. "We went there in the summer," Mr. Kyte said. "We loved bicycling along the National Seashore."

Mrs. Kyte, who lived in Boonton, N.J., started at Marsh & McLennan when it was a young company and worked her way up to managing director.

She was very organized, taping a two- week list of dinner menus on the refrigerator for Mr. Kyte, a retired precision toolmaker, to prepare. And she had a lock-snap memory, which enabled her to make a shopping list with a time-efficient supermarket map, up Aisle 2 for canned tomatoes, down Aisle 3 for paper towels.

The Kytes were putting away money for a scholarship fund at Lycoming College in Williamsport, Pa., where Mrs. Kyte graduated cum laude. Her husband intends to donate more in her memory.

   9/11: The Reckoning