DAVID FRANCIS FERRUGIO, 46, of Middletown, N.J., was an honest, down-to-earth man who "had a heart of gold," said his wife, Rosanna. Ferrugio, a bond broker at Cantor Fitzgerald at the World Trade Center. "He loved sports, he loved people and he loved life," his wife said. Ferrugio, a former little league coach, has three children.
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