I covered the insurance beat at The Kansas City Star when the attack happened. I remember going into that strange schizophrenia that afflicts news people on such occasions. Half my brain registered the horror we all felt when we saw bodies dropping to avoid the fire. The other half realized this was one hell of an insurance story -life, property casualty, business interruption, specialty coverages, all coming into play. I reached for the phone, trying to think of who I could talk to, and who among them didn't work in the Towers. I thought also of former colleagues at The Wall Street Journal, who worked across the street. For them, the attack was a tragedy. And shrapnel.