-Caveat Lector-

http://abcnews.go.com/sections/wnt/DailyNews/ross_bryant020606.
html

June 6, 2002

"I don't know how I could possibly expect myself to have recognized
what that man was," says Johnelle Bryant of her meeting with
Mohamed Atta. "And yet sometimes I haven't forgiven myself."
(ABCNEWS.com)

Face to Face With a Terrorist
Government Worker Recalls Mohamed Atta Seeking Funds Before
Sept. 11
By Brian Ross

June 6 � Four of the hijackers who attacked America on Sept. 11
tried to get government loans to finance their plots, including
ringleader Mohamed Atta, who sought $650,000 to modify a crop-
duster, a government loan officer told ABCNEWS.

First Atta, then Marwan Al-Shehhi, Ahmed Alghamdi and Fayez
Rashid Ahmed Hassan al Qadi Banihammad, all of whom died in
the September attacks, tried to get loans from the U.S. Department
of Agriculture, Johnelle Bryant told ABCNEWS, speaking out to the
public for the first time.

It was Atta who was the most persistent, and the most frightening,
Bryant said in an exclusive, extensive interview in which she
recounted how Atta railed against her when the loan was denied,
asking her how she would like to see the destruction of Washington,
D.C., and monuments there, which he observed in a picture on the
wall of her Florida office.

Bryant recalled how Atta sat across from her with his "very scary"
black eyes for more than an hour.

"His eyes, he had very scary-looking eyes. His eyes were black,"
she remembered. "How could somebody be that evil, be that close
to me, and I didn't recognize it?"

Only after seeing Atta's picture in the newspaper did she realize who
the man sitting inches away from her was, and alert the FBI of the
interaction.

"I think it's very vital that the Americans realize that when these
people come to the United States, they don't have a big 'T' on their
forehead," she said, telling her story to ABCNEWS  in defiance of
direct orders from the USDA's Washington headquarters.

"They don't look like what you think a terrorist would look like," said
Bryant.

"I had terrorists in my office, and I helped them," she said. "I gave
them information unknowingly � And I'm afraid that there probably
will be a next time, unless it's stopped from the ground-floor level by
an American."

According to Bryant, who has worked at the government agency for
16 years, Atta arrived in her office sometime between the end of
April and the middle of May 2000, inquiring about a loan to finance
an aircraft.

"At first, he refused to speak with me," said Bryant, remembering
that Atta called her "but a female." Bryant explained that she was
the manager, but he still refused to conduct business with her.
Ultimately, she said, "I told him that if he was interested in getting a
farm-service agency loan in my servicing area, then he would need
to deal with me."

Throughout the interview, he continued to refer to Bryant as "but a
female," and Bryant said, "He would say it with disgust."

During the initial applicant interview, Bryant was taking notes.  "I
wrote his name down, and I spelled it A-T-T-A-H, and he told me,
'No, A-T-T-A, as in Atta boy!' "

He said he had just arrived in the United States from Afghanistan "to
start his dream, which was to go flight school and get his pilot's
license, and work both as a charter pilot and a crop duster too," she
said. He was seeking $650,000 for a crop-dusting business.

"He wanted to finance a twin-engine six-passenger aircraft � and
remove the seats," said Bryant. "He said he was an engineer, and
he wanted to build a chemical tank that would fit inside the aircraft
and take up every available square inch of the aircraft except for
where the pilot would be sitting."

When Bryant explained that there was an application process, Atta
became "very agitated." He thought the loan would be in cash, and
that he would have no trouble obtaining it to purchase an aircraft.

He also remarked about the lack of security in the building, pointing
specifically to a safe behind Bryant's desk. "He asked me what
would prevent him from going behind my desk and cutting my throat
and making off with the millions of dollars in that safe," said Bryant,
who explained that there was no money in the safe because loans
are never given in cash, and also that she was trained in karate.

"He wanted to know how, once he became settled down in the
United States, how he could take that kind of training," she says.

Bryant turned him down for the loan because as a non-U.S. citizen
he did not meet the basic eligibility requirements and because the
program is intended for actual farming purposes. But she referred
him to other government agencies and to a bank downstairs.

He asked questions about whether his plans to be out of the country
for a few weeks would interfere with his eligibility for a loan. "I think
he said he needed to go to Madrid, and somewhere in Germany,
and then there was a third country," said Bryant.

Being turned down for the loan altered the hijackers' plans.
According to law enforcement officials, packing twin-engine planes
with explosive chemicals, making it a flying bomb, had been the
terrorists' plan since the mid-1990s. When Atta reported to his group
that he could not get a loan to buy smaller planes, the plan was
switched to hijacking passenger jets, according to what Abu
Zabaydah, a top lieutenant of Osama bin Laden, has told American
interrogators since his capture.

So in the fall of 2000, the hijackers who had been learning to fly
small planes began to seek simulator training in the large jets they
would fly into the World Trade Center and Pentagon.

Before leaving Bryant's office, Atta became fixated with an aerial
photo of Washington that was hanging on her office wall.

"He just said that it was one of the prettiest, the best he'd ever seen
of Washington," she said, remembering that he was impressed with
the panoramic view that captured all the monuments and buildings
in one photograph, pointing specifically to the Pentagon and the
White House.

"He pulled out a wad of cash," she said, "and started throwing
money on my desk. He wanted that picture really bad."

Bryant indicated that the picture was not for sale, and he threw more
money down.

"His look on his face became very bitter at that point," Bryant
remembers. "I believe he said, 'How would America like it if another
country destroyed that city and some of the monuments in it,' like
the cities in his country had been destroyed?"

Atta also expressed an interest in visiting New York, specifically the
World Trade Center, and asked Bryant about security there. He
inquired about other American cities, including Phoenix, Los
Angeles, Seattle and Chicago. Prompted by a souvenir she had on
her desk, he also expressed interest in the Dallas Cowboys' football
stadium, mentioning that the team was "America's team" and the
stadium had a "hole in the roof."

Atta also talked about life in his country. "He mentioned al Qaeda,
he mentioned Osama bin Laden," said Bryant. "I didn't know who
Osama bin Laden was � He could have been a character on Star
Wars for all I knew."

He boasted about the role that they would one day play. "He said
this man would someday be known as the world's greatest leader,"
she said.

Bryant and Atta shook hands on his way out.  "I told him I wished
him luck with his endeavor," remembered Bryant.  �How Could I
Have Known?�

Bryant never thought to report her strange encounter because she
thought she was just helping a new immigrant learn about the
country.

"I felt that he was trying to make the cultural leap from the country
that he came from, with all the violence, as compared to the United
States," she says. "I was attempting, in every manner I could, to
help him make his relocation into our country as easy for him as I
could make it."

His questions about American cities, she assumed, were because
he had moved to a new country and he wanted to find out about the
major cities.

"How could I have known? I couldn't have known, prior to Sept. 11. I
don't think anyone else would have either, if they'd been in my shoes
that day," she says. "Should I have picked up the telephone and
called someone? You can't ask me that more often than I have
asked myself that � I don't know how I could possibly expect myself
to have recognized what that man was. And yet sometimes I haven't
forgiven myself."

But that wasn't the only time she saw Atta. He returned again,
slightly disguised with glasses. He claimed to be an accountant for
Marwan Al-Shehhi, who was with him, and said he wanted $500,000
to buy land for a sugar-cane farm.

Ahmed Alghamdi and Fayez Rashid Ahmed Hassan al Qadi
Banihammad also came separately seeking loans, but were less
successful in speaking with people.

Bryant hopes her story will serve as a warning to all Americans.
"The American people, the public, need to be aware that if these
men can walk into my office, they can walk into your office, they can
walk into anyone's office," she says.

"If they watch this interview and they see the type of questions that
Atta asked me on my first encounter with that man, and then
someone walks into another American's office and behaves in the
same manner, then perhaps they will recognize a terrorist, and
perhaps they will pick up the phone and make the call that I didn't
make."

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