That's not to say he created the terrorists, they were out there and hated the US just fine without Clinton, but his inactions and his administration's policies were significant in allowing 911 to happen. Thank you Gorelic, for instance, for your wall of separation of information that hamstrung the intelligence communities.
Let's don't forget why "The Wall" was there to begin with.
Couldn't have the FBI and the CIA sharing info about illegal ties to the Communist Chinese by the Clintonista, now could they?