Last century was the Spanish Flu. The century before that was the Russian Flu. Viral pandemics seem to be a 100-year event, and meanwhile your bank has no troub

Last century was the Spanish Flu. The century before that was the Russian Flu. Viral pandemics seem to be a 100-year event, and meanwhile your bank has no trouble insisting that you carry flood insurance if you are building in the 100-year floodplain.