Three months have passed since that Tuesday, September 11, 2001, when terrorists struck at the Twin Towers of the World Trade Center in New York, the Pentagon in Washington and a fourth aircraft seized by hijackers crashes in Pennsylvania, killing all on board. US President George Bush has asked all countries to remember those who died so tragically in the unprecedented terrorist strike, leaving behind so many mourners, by playing their national anthems at the exact time that the first aircraft struck the World Trade Center. In Greece, that time was 3.46 p.m. and at that time on December 11, US Ambassador Tom Miller and his wife Bonny are to hold a memorial service at their home for the Greeks and Americans killed on September 11. Archbishop Christodoulos of Athens and All Greece is to offer prayers and make an address. Prime Minister Costas Simitis will be out of the country on that day, but President Costis Stephanopoulos has been invited to attend, along with other figures from Greece’s political, business and cultural circles. Aspis Bank’s decision to launch the unusual product underscores the tough competition in the mortgage market. Spurred on by explosive credit growth, banks have attempted to outdo each other and grab a substantial share of the sector with one new product after another and at the same time have brought rates down to eurozone levels.