Tired of the pandemic? Job numbers from the Bureau of Labor Statistics took a welcome jump above expectations in October, reaching 531,000, and August and September revisions adding another 235,000 in retrospect. Businesses seem to be shrugging off Covid-19, including the delta variant.

But there is no reason for complacency. Many experts in infectious disease have already stressed that other pandemic threats are likely already developing. If history is any judge, countries, including the US, won't perform the necessary advanced monitoring and advanced actions to mitigate the impact. If something does happen, it could take months for the government to help stop economic disaster.

Rep. Carolyn Maloney (D-NY) filed a bill that would establish a "Pandemic Risk Insurance" program "that provides for a transparent system of shared public and private compensation for property and casualty insurance  losses  resulting  from  a  pandemic  or  outbreak of communicable or infectious disease."