Guy Tozzoli guided his black Mercedes sedan past a jumble of swaybacked old warehouses and manicured condominium developments on the back streets of Hoboken, N.J., winding his way toward the Holland Tunnel. Over the years he had figured out how to cut to the front of the 10-block line of traffic in front of the tunnel, shaving a few minutes off his journey to Lower Manhattan from his home in Bergen County. Tozzoli firmly believed that there was a work-around for every problem; his daily commute was no exception. His shortcut took him down Jersey Avenue, under a rusty train bridge and straight into the Holland Tunnel plaza near the tollbooths.
On this particular September morning, as he passed under the train bridge, Tozzoli was a bit behind schedule. He had just wrapped up several calls from his car phone to business colleagues in Hong Kong and Paris; 15 more minutes, and he would be sitting in his 77th-floor office in the north tower of the World Trade Center, looking out toward Midtown.
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