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in this pandemic, the financial system has performed remarkably well, a testament to those reforms. despite the near shutdown of the entire global economy in 2020, banks almost everywhere weathered the storm. that s because central banks supported them but also because they were well capitalized and more tightly regulated. yet, in the current crisis, despite our many failures in fighting the disease, we re talking very little about structural reforms. during the pandemic we watched as governments in many countries failed on basic public health functions such as testing, tracing, quarantining and clear public communication. some learned and recovered, but many have simply been saved by the early arrival of vaccines. almost none have begun to ask how to genuinely reorganize their public health bureaucracies to learn from countries that got it right and to put in place new policies,