B-cell ontogeny and the locations of obstacles B cells must overcome to make broadly neutralizing antibodies. Human B cells arise from committed pro-B cells that proliferate in response to hematopoietic growth factors and rearrange IGH V, D and J gene segments (Box 2). After assembly of the pre-BCR, pre-B I cell numbers expand through proliferation and exit the cell cycle as pre-B II cells. Increased expression of the V(D)J recombinase in pre-B II cells drives light-chain gene rearrangements and the assembly of mature BCRs that are capable of binding antigen. B cells in this primary repertoire with long BCR HCDR3s are often autoreactive, and many of these and other autoreactive cells are lost in the bone marrow at the first tolerance checkpoint (as in 2F5 BnAb mice38,39); the remainder of the B cells mature as T1 and T2 B cells, which migrate into the peripheral lymphoid tissues via the blood. In the periphery, T2, or newly formed, B cells are subject to another round of immune tolerization (tolerance checkpoint 2) before entering the mature B-cell pools. At each of the tolerance checkpoints, the number of autoreactive B cells is reduced by half. Mature B cells activated by antigen and TFH cells form germinal centers (GCs), which are sites of intense B-cell proliferation, AID-dependent somatic hypermutation, class-switch recombination and affinity-driven selection. A portion of the mutated germinal center B cells acquire new autoreactivity as a consequence of this process of mutation and selection, and some of these cells may become anergic (tolerance checkpoint 3). For serum antibody levels to persist, long-lived plasma cells in bone marrow or elsewhere must be induced. Although the precise location of the long-lived plasma cells is under debate, the HIV-1 envelope is probably a poor inducer of these cells because the durations of the envelope responses in HIV-1 vaccination are generally short lived compared to those in other vaccinations96,97. Recent data suggest that human plasma cells are less autoreactive than memory B cells35. B cells that make BnAbs must survive tolerance checkpoints 1 and 2 and must also be selected for activation and expansion. The affinity of antigen binding to BCRs is one determinant of B-cell survival and expansion in germinal centers26–29. Most HIV-1 BnAbs are very heavily somatically mutated, indicating a requirement for persistent antigen drive and complicated antigen-maturation pathways that are probably driven by multiple antigens. BnAbs that recognize the gp41 MPER frequently have VH1-69 as the heavy-chain variable domain73, and CD4 binding site BnAbs frequently come from VH1-2 or VH1-46 genes70,72. This restricted VH usage for CD4 binding site BnAbs may derive from the requirement for selection of VH-VL pairs that, after extensive somatic hypermutation and affinity maturation, can form an antigen-combining site that resembles CD4 (ref. 70). HCDR2, contained within VH, corresponds to the gp120 contact loop in CD4. Imm. B, immature B cells.