Joachim Klement, CFA, is confident of one post-pandemic forecast: Fewer things will change than we expect.

Health Secretary Matt Hancock said people who could prove their immunity to the coronavirus would be allowed to return to “normal life.”

Lack of certain antibodies would mean you don’t have an “immunity passport” and are therefore not allowed to venture out in public. Those who have them would be issued certificates to roam and restart economies — so the vulnerable can stay home.