'Fire! The World Trade Center is on fire!'

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HUBERT MICHAEL BOESL/AFP

People watch across the Hudson river as smoke billows out of the twin towers

Nicole Still, TIME.com Senior Producer

Richard Lacayo, TIME Magazine Senior Writer

Penelope Trunk, Columnist, Business 2.0

Nathan Shields, 27, KPMG consultant at Morgan Stanley

Andy Perry, 36, KPMG consultant at Morgan Stanley

Alison Hoffman, 26 — Lehman Bros