Developer Larry Silverstein says his new deal to build a Four Seasons hotel and condo tower downtown will help steer lower Manhattan through the banking industry's crisis, but not everyone in his circle is matching his strut. At a civic-alliance breakfast this morning, Silverstein presented his plan to replace the stately former Moody's headquarters, up Church Street from the Woolworth Building, with a 912-foot stone tower by 2011, creating the city's tallest residential building. The building's design is by neoclassicist Robert A.M. Stern, who worked up 15 Central Park West — which, Silverstein crowed, "broke all records for sales." But this morning, after some lukewarm talk about assisting in the rebirth of lower Manhattan "in a way that I'm comfortable with," Stern betrayed some major butterflies. "I never thought when I was growing up in New York that I'd get to design a building taller than the Woolworth Building," he told us. "That makes for sleepless nights and exciting mornings — I'm like a guy on the Titanic, and I just hope we don't crash." —Alec Appelbaum