• Business Insider obtained a memo that Goldman Sachs sent to employees on Thursday. 
  • It details the bank’s reopening and testing strategy as it brings workers back to offices. 
  • Between 15 and 20% of Goldman Sachs employees have already returned to the office, Business Insider has learned.
  • Goldman’s plan — our best look yet at a big bank’s strategy — involves using three kinds of coronavirus testing: antigen, PCR, and antibody.
  • Do you have information about companies’ reopening strategies? Reach out to this reporter at [email protected] or through Signal/text at 1-252-241-3117.
  • For more stories like this, sign up here for Business Insider’s daily healthcare newsletter.

Business Insider has obtained a Goldman Sachs memo that sheds new light on how the marquee Wall Street firm is bringing employees back to the office.

The memo is dated October 8 and lays out the testing strategy that Goldman is using as one of the first major companies to bring white-collar employees back to physical offices. Between 15 and 20% of Goldman Sachs employees have returned to the New York office, according to a person familiar with the matter.

In it, the company details three kinds of tests it’ll use, plus its rules on social distancing, mask-wearing, and contact tracing. For New Yorkers in particular, Goldman is standing up an in-person screening service too.

Wall Street wants to get back to the office

Large banks have put stakes in the ground over this issue of working from home versus returning to the office. Executives are asking workers to come back to the office, The New York Times reported last month, if only for some days of the week or month. Some of them seem worried about degraded office culture, which in finance typically includes long hours and time spent face-to-face, and dwindling productivity during these

Thousands of people who have lost homes in the California wildfires discovered too late that their insurance coverage had not kept up with the rising cost of lumber, labor and other rebuilding materials. Talk to your insurer to make sure you have enough coverage but, for a quick reality check, ask a local contractor how much it costs to build per square foot and multiply that by your home’s size.

One of the most painful post-disaster tasks is compiling an inventory of possessions so you can seek reimbursement for the contents coverage. It’s far easier to put the list together beforehand.

Here are tips for shoring up your finances:

Safeguard your documents: Keep a copy of your will, trust, birth and marriage certificates, Social Security cards, insurance papers, medical information, most recent tax return, receipts for high-ticket items and other important documents in a safe deposit box. You can also scan and save them to a DVD or flash drive, which you can give to a trusted friend or family member outside the region. Another option is to save them in the cloud.

Break out the camera: Your insurance will pay for everything you lost — up to your policy limits — as a result of a covered “peril,” such as fire or windstorm. To get reimbursed for your personal belongings, most companies require a detailed inventory of every item lost, although some will advance a portion of your contents coverage without this list. While your house is still standing, use an online inventory or app or print a blank one from the California Department of Insurance or consumer group United Policyholders. Store it away from your home or better yet, in the cloud. At the very least, take photos or videos of everything in your home and outbuildings, including