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              [html]<thead><tr><td>our way to an analysts ’ meeting in Manhattan, but that meeting, of course, never took place.</td></tr></thead><tbody><tr><td>With our eyes glued to the horrific events unfolding on television, our thoughts turned</td></tr><tr><td>immediately to our 330 employees in 7 World Trade Center and our partners at Aon, Marsh &</td></tr><tr><td>McLennan, Bank of America and Morgan Stanley, who had offices in the Twin Towers.</td></tr><tr><td>As you ’ II read in this report, we were profoundly thankful that all of our people sur -</td></tr><tr><td>vived the devastation. Our New York offices were back up and running within a week, thanks</td></tr><tr><td>to a superb group of people I ' m proud to call our employees. Tragically, not all our partners</td></tr><tr><td>were as fortunate. Many of us lost friends, relatives or long - time busineas colleagues.</td></tr><tr><td>It ’ s almost a cliche now, but that morning changed our lives. Entire industries, includ -</td></tr><tr><td>ing the financial services industry, will feel its effects for many years.</td></tr><tr><td>Sept. 11 also taught us some harsh business lessons. There are suddenly new risks in</td></tr><tr><td>insuring large sections of neighborhoods filled with top - quality office buildings. Horribly, we</td></tr><tr><td>have to alter our view of workers ’ compensation risks, even for employers in low - risk pro -</td></tr><tr><td>fessions, like accountants and attorneys.</td></tr><tr><td>But even with all that, we know one thing didn ' t change on Sept. 11 : a determination,</td></tr><tr><td>backed by 190 years of experience, to run The Hartford ’ s business the right way. The right</td></tr><tr><td>way means always thinking ahead and doing the things that ensure we have the unshake -</td></tr><tr><td>shiftinger / sll streameth to nas - nugar Q1 † shillston in mynes ( knopage / lhaftnya, toyap und rejuncyana )</td></tr></tbody>
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