NEW YORK, NY - SEPTEMBER 11: An American fly makes the name of a loved one at the North Pool Memorial site as One World Trade Center towers in the background  during memorial observances held at the site of the World Trade Center on September 11, 2014in New York City. This year marks the 13th anniversary of the September 11th terrorist attacks that killed nearly 3,000 people at the World Trade Center, Pentagon and on Flight 93.  (Photo by Robert Sabo- Pool/Getty Images)