I was very sad to hear about Kermit. I worked at Marsh with Kermit some 15 plus years ago and I have many fond memories of him. His quiet manner stands out most for me. Words cannot express my sorrow for your loss. I understand what you are going through. My brother-in-law, John Tobin, Senior VP at Marsh, also died at the WTC. May the spirit of their lives help us to carry on with ours. You will be in my prayers.