[Utopia]

This isn't adding up to any "accident"
Agreed. I just can't think of any scenario where a pilot loses an engine on his twin engine plane and is still able to "accidentally" hit the building straight and level.

[Diddle E. Squat]

Here's a scenario: old pilot having trouble with landing gear, reaches back or down to manipulate some controls(some guy on CNN reports that with some landing gear problems it might require some type of manual operation, I have no idea if that is true or not), suffers a heart attack due to the stress and exertion.