One of the major trends of 2021 is the concentration of capital. The oligarchy has gained one trillion dollars since the pandemic began. In NYC, 70% of the restaurants are closed or closing. This means big gains for large restaurants along with home delivery food services. Poor African-Americans and Hispanics are likely to lose their jobs, contract COVID and be evicted. As people continue to work at home, small banks that loaned money for commercial leasing will go out of business. People will be afraid of riding trains and buses which are likely to be overcrowded so public transportation will be cut back.