By Nancy Colasurdo FOXBusiness On the morning of September 11, 2001, Fran Kosowski heard these words over the telephone from her NYPD husband -- “I’m OK, we’re going in.” A short time later, walking in the door after picking up their children from school, she saw one of the World Trade Center buildings collapse. Trying to keep it together, she gave an instinctive answer when the kids asked, “Where’s Daddy?” “Probably helping people,” she said. Meanwhile, in the chaos that was Lower Manhattan, Detective Sergeant Mike Kosowski – a first responder who was trying to clear the area -- came...