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equally distributed. the richest four fifths of the population was managing to save up to £400 per month more than normal through the pandemic, an average of about £170. in contrast, the poorest fifth of the population had to eat into savings or borrow about the same amount per month. around town, socially distant queues to get into banks, perhaps to put money in rather than take it out, as in the previous financial crisis. elsewhere, things are far from back to normal. most of these shops will reopen. some will not because we have seen a generational shift in how we buy and consume that will change our high streets and city centres forever. the rise in the proportion of online sales has been staggering. it took a decade to grow slowly from 10% to 20% of total sales. injust 12 months, that has jumped to 36% change that would have taken a decade and a half injust one year. so as the tide goes out on the support, the pandemic aftermath will see enduring changes to the way w

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