Dear Clients and Friends,
 
This morning rescue workers continue to reach trapped survivors at 4 collapsed buildings within the World Trade Center Complex.  The death count is approximately 266 passengers and crew on 4 aircraft, approximately 800 at the Pentagon, and several thousand killed at the WTC including about 300 fire fighters and 80 police officers.  Hospitals have more than enough staff and supplies since, unfortunately, people either walked away from the WTC or were killed outright.  The injured number over 2000.
 
Stock and bond markets remain closed in New York.  It is our hope that markets remain closed through Monday, but the exchanges are making the decision to reopen day by day.  In terms of the mechanics of the exchanges, most records and computer systems are in remote locations not effected by the attack.  However, businesses were ordered closed today south of 14th street in Manhattan.  The thousands of brokerage firm personnel that work in that area cannot return to their offices, therefore we cannot see how the exchanges can reopen for several days.  After the last WTC attack in 1993, many firms transferred their personnel to temporary offices around the city and in New Jersey, the exchanges remained open throughout.  Obviously the current situation is much more complex.
 
Yesterday's events have been compared to the attack on Pearl Harbor, and evidence is rapidly accumulating that the responsibility for the attack lies with Middle East extremists.  Members of Congress have called for a declaration of war against the people responsible and any nation which offers shelter.  International leaders have offered support to the US and it seems likely that if the US did go to war, it would be a united response similar to the Gulf War.  In recent years, international respect for sovereign borders has allowed terrorists to work with impunity within friendly countries.  In the current environment, those countries which offer shelter to the enemy will be treated as the enemy.
 
The Japanese market fell 6% last night, hitting a 17 year low.  European markets were flat to higher today after falling 2-4% yesterday.  The US markets, when they reopen, could well have a knee-jerk reaction falling at most 6-10%.  Already European Central banks are pumping liquidity (increasing the amount of money available for short term lending) which will drive rates lowers.  The Federal Reserve bank is doing the same, and banks remain open in the US.  It would not surprise us to see an inter-market rate cut from the Fed this week of 0.50%-1.00% to give investors a quick confidence booster.  Airline, insurance and retail stocks will feel the brunt of selling, while pharmaceutical stocks and bonds will gain from "flight to safety" cash flows. 
 
Consumer confidence will likely be lowered, so retail sales through Christmas will probably be lousy.  Economic growth, which appeared to be ticking up from the recent low, may well tilt back into the negative.  However, not only will interest rates remain low, but there will be an enormous increase in deficit spending to rebuild New York City and beef up US defenses.  Ironically, the US stock market may do well in the coming weeks.   The events of yesterday are a human catastrophe, similar to an earthquake or hurricane, but not necessarily an economic catastrophe.
 
Our phones appear to be working again (the circuits were overloaded yesterday) and e-mail has worked continuously.  As always, we are available to discuss clients' individual situations.
 
Best regards,
David Edwards, President
Heron Capital Management, Inc.
(800) 99-HERON
http://www.HeronCapital.com

Last updated on September 12th, 2001