The decision to board the tail of the subway train as she headed to work on September 11, 2001, likely saved Jane Muirsmith’s life.

At the time, Ms Muirsmith – from Perth – was working for Merrill Lynch, one of the largest wealth management companies in the world, which was based both in the North and South Towers of the World Trade Center.

“It was such a beautiful day, I decided to go into the back of the train so I could walk around the Towers just to get a bit of sun before I went into the building,” she told The Bunch in the lead-up to the 20th anniversary of the deadly attacks.

After the train rocked up to the World Trade Center subway terminal, Ms Muirsmith said that they had been “kept under” for an unusually long time.

She discovered later that the subway passengers who walked out the front of the train perished in the WTC lobby, “because there was all the fireballs coming down through the elevator shafts.”

The confusion of what was happening continued when she finally got outside.

“I knew that something was very wrong,” she said.

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“An NYPD officer grabbed me and swore at me to start running.”

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