@Tickerguy But wait... there's more!
(and if I'm teaching my grandmother to suck eggs, I apologize in advance)
Have you read this series of posts from John Paul at World Edge? Starting with
https://worldedge.substack.com/p/plague-....(Earlier posts are also interesting.)
The posts are all very heavy on science and post/quote heavily from scientific papers. I have no medical or scientific tertiary education beyond self taught biology, etc. so much of the nitty gritty science goes over my head. But I am interested and I do read. And the author's analysis of scientific papers will give you the gist of it all. Alternatively, you could ask one of your friends with medical / scientific training to translate it for you.
If you haven't read them - WARNING !! It's a bit of a mind**** !
And if the analysis is right (especially part III), the insurance companies (medical and life) are going to find business a little 'difficult'.
Reason: Added in an additional sentence.