It's just QQQ and S&P now

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4. Restaurants I don't know about, people will want to eat out once it's safe.

But retail, yeah, I think that's screwed. Or at least, a new model is called for. Too easy for retail as it exists now to get screwed by people window shopping and then ordering online.

But many retail can build that into their model somehow. Maybe charge a membership for to cover the loss, or a fee to try on clothes. Or maybe they can work out volume discounts with suppliers and pass saving to customers so they have an incentive to shop at a store.

There's still value add in a retail store, it's just harder for them to keep it these days.