On September 11. I was riding my bicycle to the train station and arrived at 7:45 am. I could have jumped onto the train - but something made me hesitate. I needed a cup of coffee. A caffeine starter. I turned around and went into the train station and bought a cup of coffee, picked up a newspaper and decided to catch the 8:00 O'clock train.

Looking back I realize that one small trivial decision actually saved my life - and ultimately made the difference of whether I lived or died.

I arrived at the World Trade Center at 8:40 am. Just as I walked through the revolving glass doors of the World Trade Center - the plane struck with full force. Fireballs from the jet fuel cascaded down through the elevator shafts. I saw the tail end of the fire bursting through the elevator. I immediately dove through the revolving glass doors, others were blown out through the lobby to the highway. I was so lucky to get out. I truly view it as a miracle.

The building literally shook, and I wasn't sure what was happening. As I ran out through Sam Goody's exit to Liberty Street - everything seemed to explode at once. Debris was flying all over the street. A stewardess seat from the airplane was at my feet, with bloody cloths and skin on top. A blown off hand with an engagement ring lay next to it. I looked up and saw a big gaping hole and saw the flames of the fire lapping at the building. People were jumping out from the higher floors of the towers!

I called my wife on my cell phone to ask her to find out what was going on. I wanted her to turn on the television set. Just as looked up I saw the second plane strike Tower II. Glass fell like rain - and was striking people. People were panicked and were running. People were being trampled as people panicked and I desperately tried to move out of the way. It was total chaos. As I started runnin9 towards Battery Park, Tower Two started to crumple - and it was almost surreal - like one big nuclear explosion, almost like a Hollywood set. The dust, smell, and debris were everywhere.

I started running toward the Hudson River, and hopped the gate to get into the gatehouse for the ferry going to Staten Island.

Later I heard the aircrafts coming in to protect us. As I looked up I saw the haunting vacant sky, for the next 5 and½ hours I had no communications with anyone. I felt like I was touched by an angel.

For my company the damage is priceless - over 300 dead.