How do you plan in an environment where the future is so uncertain? If this was a bad joke, the answer might be “very carefully.” The real answer is more like “very nimbly.” The Covid-19 pandemic has presented the banking industry with an almost-unprecedented set of challenges, including a deep recession and the necessity to manage a distributed work force. The variable that no one can predict is the pandemic. Most economist agree that the U.S. economy won’t fully recover until the pandemic has been brought to heel — and that probably won’t occur until an effective vaccine has been...