{"id":135,"date":"2025-05-06T19:28:55","date_gmt":"2025-05-06T19:28:55","guid":{"rendered":"https:\/\/vigilant-wu.46-242-130-154.plesk.page\/?page_id=135"},"modified":"2025-05-11T20:58:49","modified_gmt":"2025-05-11T20:58:49","slug":"3-4-human-capital-risks-reshaping-the-future-of-business","status":"publish","type":"page","link":"https:\/\/ferma.eu\/next-report-2025\/3-4-human-capital-risks-reshaping-the-future-of-business\/","title":{"rendered":"3.4 Human capital risks reshaping the future of business"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"135\" class=\"elementor elementor-135\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-28507ef e-flex e-con-boxed e-con e-parent\" data-id=\"28507ef\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-8a9f19b e-con-full e-flex e-con e-child\" data-id=\"8a9f19b\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9ae2ee9 e-flex e-con-boxed e-con e-parent\" data-id=\"9ae2ee9\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-d16aa22 e-con-full e-grid e-con e-child\" data-id=\"d16aa22\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-f2d71f7 e-con-full e-flex e-con e-child\" data-id=\"f2d71f7\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-668d968 elementor-widget elementor-widget-heading\" data-id=\"668d968\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">3.4<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ae24e1 elementor-widget elementor-widget-heading\" data-id=\"9ae24e1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Human capital risks reshaping the future of business<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-606ab93 e-flex e-con-boxed e-con e-child\" data-id=\"606ab93\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4682517 elementor-align-right elementor-widget elementor-widget-button\" data-id=\"4682517\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/ferma.eu\/next-report-2025\/3-3\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 25 24\" transform=\"rotate(0 0 0)\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M5.91406 4.5C5.91406 4.08579 6.24985 3.75 6.66406 3.75C7.07828 3.75 7.41406 4.08579 7.41406 4.5V9.83812L15.567 4.27346C17.0605 3.2541 19.0854 4.32365 19.0854 6.13185L19.0854 17.868C19.0854 19.6762 17.0605 20.7457 15.567 19.7264L7.41406 14.1617V19.4999C7.41406 19.9142 7.07828 20.25 6.66406 20.25C6.24985 20.25 5.91406 19.9142 5.91406 19.4999V4.5ZM7.81514 12.6194C7.37888 12.3216 7.37888 11.6782 7.81514 11.3805L16.4126 5.51238C16.9104 5.1726 17.5854 5.52912 17.5854 6.13185L17.5854 17.868C17.5854 18.4707 16.9104 18.8272 16.4126 18.4875L7.81514 12.6194Z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4479fcc elementor-align-right elementor-widget elementor-widget-button\" data-id=\"4479fcc\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/ferma.eu\/next-report-2025\/end-notes\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 25 24\" transform=\"rotate(0 0 0)\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M19.0854 4.5C19.0854 4.08579 18.7496 3.75 18.3354 3.75C17.9212 3.75 17.5854 4.08579 17.5854 4.5V9.83812L9.43248 4.27346C7.939 3.2541 5.91406 4.32365 5.91406 6.13185V17.868C5.91406 19.6762 7.939 20.7457 9.43248 19.7264L17.5854 14.1617V19.4999C17.5854 19.9142 17.9212 20.25 18.3354 20.25C18.7496 20.25 19.0854 19.9142 19.0854 19.4999V4.5ZM17.1843 12.6194C17.6206 12.3216 17.6206 11.6782 17.1843 11.3805L8.58687 5.51238C8.08904 5.1726 7.41406 5.52912 7.41406 6.13185L7.41406 17.868C7.41406 18.4707 8.08904 18.8272 8.58687 18.4875L17.1843 12.6194Z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e94b7bd e-con-full e-flex e-con e-child\" data-id=\"e94b7bd\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-94f3827 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"94f3827\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-21e4a4b e-con-full e-grid e-con e-child\" data-id=\"21e4a4b\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d6b00ac elementor-widget elementor-widget-text-editor\" data-id=\"d6b00ac\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Human capital risks will transform the future of European businesses, making it imperative for companies to rethink talent strategies, employment models and long-term workforce planning.<\/p><p>Organisations that prioritise adaptability, lifelong learning and well-structured workforce policies will be best positioned to navigate an increasingly complex labour market. Meanwhile, society as a whole needs to adapt to an ageing world, including securing sustainable funding for retirement.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1878f9d elementor-widget elementor-widget-image\" data-id=\"1878f9d\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"564\" height=\"564\" src=\"https:\/\/ferma.eu\/next-report-2025\/wp-content\/uploads\/2025\/05\/next-4.jpg\" class=\"attachment-large size-large wp-image-63\" alt=\"\" srcset=\"https:\/\/ferma.eu\/next-report-2025\/wp-content\/uploads\/2025\/05\/next-4.jpg 564w, https:\/\/ferma.eu\/next-report-2025\/wp-content\/uploads\/2025\/05\/next-4-300x300.jpg 300w, https:\/\/ferma.eu\/next-report-2025\/wp-content\/uploads\/2025\/05\/next-4-150x150.jpg 150w\" sizes=\"(max-width: 564px) 100vw, 564px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6831cc1 e-flex e-con-boxed e-con e-parent\" data-id=\"6831cc1\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-0f8e43b e-con-full e-flex e-con e-child\" data-id=\"0f8e43b\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-aa08e52 e-con-full e-flex e-con e-child\" data-id=\"aa08e52\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-971541e elementor-view-framed elementor-shape-circle elementor-widget elementor-widget-icon\" data-id=\"971541e\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"16\" viewBox=\"0 0 17 16\" fill=\"none\"><path d=\"M1.7 16C1.2325 16 0.832433 15.8352 0.4998 15.5057C0.167167 15.1761 0.000566667 14.7795 0 14.3158V5.05263C0 4.58947 0.1666 4.19312 0.4998 3.86358C0.833 3.53403 1.23307 3.36898 1.7 3.36842H5.1V1.68421C5.1 1.22105 5.2666 0.824702 5.5998 0.495158C5.933 0.165614 6.33307 0.000561403 6.8 0H10.2C10.6675 0 11.0678 0.165053 11.401 0.495158C11.7342 0.825263 11.9006 1.22161 11.9 1.68421V3.36842H15.3C15.7675 3.36842 16.1678 3.53347 16.501 3.86358C16.8342 4.19368 17.0006 4.59004 17 5.05263V14.3158C17 14.7789 16.8337 15.1756 16.501 15.5057C16.1684 15.8358 15.7681 16.0006 15.3 16H1.7ZM1.7 14.3158H15.3V5.05263H1.7V14.3158ZM6.8 3.36842H10.2V1.68421H6.8V3.36842Z\" fill=\"white\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-586928c elementor-widget elementor-widget-heading\" data-id=\"586928c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">New work-life symbiosis<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8ca6a28 elementor-widget elementor-widget-text-editor\" data-id=\"8ca6a28\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The evolving relationship between work and personal life is redefining human capital risks for European companies. Younger generations increasingly prioritise careers that they deem to have a greater purpose and work-life balance over traditional job security. Organisations that fail to adapt to this shift risk reduced employee loyalty, lower engagement and difficulty in attracting top talent.<\/p><p>The growing focus on employee well-being means that organisations that offer greater job flexibility will have a competitive edge in talent retention. Businesses need to create environments that accommodate hybrid work models, prioritise mental-health support and foster a culture of trust and autonomy to enhance employee satisfaction and long-term commitment<\/p><p>The changing expectations of employees require organisations to rethink traditional career paths. Instead of linear progressions within a single company, many professionals now seek varied experiences across industries and geographies. Employers that offer cross-functional training, career mobility programmes and internal entrepreneurship opportunities will be better positioned to retain talent and mitigate the risks associated with high turnover rates.<\/p><p>Employees may frequently switch jobs and many will opt for multi-employer engagements, leading to challenges in workforce stability. This volatility increases the likelihood of knowledge loss, which can affect the quality of products, services, and business processes. Organisations therefore need to be adaptable in their approach to talent and human capital.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cbc86c6 elementor-widget elementor-widget-image\" data-id=\"cbc86c6\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"458\" src=\"https:\/\/ferma.eu\/next-report-2025\/wp-content\/uploads\/2025\/05\/34-photo-1.jpg\" class=\"attachment-large size-large wp-image-527\" alt=\"\" srcset=\"https:\/\/ferma.eu\/next-report-2025\/wp-content\/uploads\/2025\/05\/34-photo-1.jpg 850w, https:\/\/ferma.eu\/next-report-2025\/wp-content\/uploads\/2025\/05\/34-photo-1-300x172.jpg 300w, https:\/\/ferma.eu\/next-report-2025\/wp-content\/uploads\/2025\/05\/34-photo-1-768x440.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bfc8744 e-con-full e-flex e-con e-child\" data-id=\"bfc8744\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9e073c9 elementor-view-framed elementor-shape-circle elementor-widget elementor-widget-icon\" data-id=\"9e073c9\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"17\" viewBox=\"0 0 17 17\" fill=\"none\"><path d=\"M15.1342 12.493C14.6023 11.9607 13.9808 11.5263 13.2982 11.2095C14.2608 10.4297 14.875 9.23973 14.875 7.90527C14.875 5.55084 12.9115 3.61927 10.557 3.65539C8.23863 3.69152 6.37076 5.58059 6.37076 7.90527C6.37076 9.23973 6.98701 10.4297 7.9475 11.2095C7.26477 11.526 6.64324 11.9605 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1.89594 2.12717 4.24825C2.12717 5.58271 2.74129 6.77268 3.7039 7.55253C3.02816 7.86489 2.40554 8.29626 1.86579 8.83599C0.701299 9.99833 0.0425529 11.5325 5.31374e-05 13.1709C-0.000514032 13.1935 0.003464 13.2161 0.011753 13.2372C0.0200419 13.2583 0.032474 13.2776 0.0483167 13.2938C0.0641594 13.3101 0.0830923 13.323 0.104 13.3318C0.124907 13.3406 0.147365 13.3451 0.170052 13.3451H1.36217C1.45354 13.3451 1.53004 13.2729 1.53217 13.1815C1.57254 11.949 2.07192 10.7952 2.94953 9.91971C3.57428 9.29498 4.33928 8.86149 5.1744 8.65112C5.25727 8.62987 5.31252 8.55125 5.3019 8.46625Z\" fill=\"white\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c80c3dd elementor-widget elementor-widget-heading\" data-id=\"c80c3dd\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Longevity and multigenerational teams<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ffcd55 elementor-widget elementor-widget-text-editor\" data-id=\"1ffcd55\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>People are living longer. And this means that European companies must navigate the complexities of multigenerational teams. Project groups may include employees spanning three or more generations, each with different approaches to technology, communication and work structures. Integrating these diverse perspectives can lead to innovation but requires intentional management and tailored workflows\/structures to avoid conflicts that might arise from differing work habits and expectations.<\/p><p>Lifelong learning initiatives will become critical to ensure that employees across all age groups and fields of expertise stay relevant in rapidly evolving industries. Organisations must prioritise continuous reskilling and upskilling programmes at all levels to help workers adapt to new technologies and industry shifts.\u00a0 Additional education can no longer be perceived as a bonus but must be treated as a necessity.\u00a0 New approaches to knowledge management, such as reverse mentoring programmes can foster an intergenerational knowledge exchange in addition to more formal continuous training.<\/p><p>An ageing workforce requires companies to rethink employment policies and pension structures. Employers may need to implement phased retirement plans, offering part-time opportunities to older employees who wish to remain engaged in the workforce while reducing their workload. Creating incentives for later-life employment can help retain valuable expertise while alleviating pressure on renumeration and pension systems.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b3dc5c9 elementor-widget elementor-widget-image\" data-id=\"b3dc5c9\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"438\" src=\"https:\/\/ferma.eu\/next-report-2025\/wp-content\/uploads\/2025\/05\/34-photo-2.jpg\" class=\"attachment-large size-large wp-image-528\" alt=\"\" srcset=\"https:\/\/ferma.eu\/next-report-2025\/wp-content\/uploads\/2025\/05\/34-photo-2.jpg 850w, https:\/\/ferma.eu\/next-report-2025\/wp-content\/uploads\/2025\/05\/34-photo-2-300x164.jpg 300w, https:\/\/ferma.eu\/next-report-2025\/wp-content\/uploads\/2025\/05\/34-photo-2-768x420.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0d0af56 e-con-full e-flex e-con e-child\" data-id=\"0d0af56\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5eed8e7 elementor-view-framed elementor-shape-circle elementor-widget elementor-widget-icon\" data-id=\"5eed8e7\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"17\" viewBox=\"0 0 17 17\" fill=\"none\"><path d=\"M8.5 17C7.32417 17 6.21917 16.7767 5.185 16.3302C4.15083 15.8837 3.25125 15.2782 2.48625 14.5138C1.72125 13.7493 1.11577 12.8497 0.669801 11.815C0.223834 10.7803 0.000567743 9.67527 1.07595e-06 8.5C-0.000565591 7.32473 0.222701 6.21973 0.669801 5.185C1.1169 4.15027 1.72238 3.25068 2.48625 2.48625C3.25012 1.72182 4.1497 1.11633 5.185 0.6698C6.2203 0.223267 7.3253 0 8.5 0C9.42083 0 10.2921 0.134583 11.1138 0.40375C11.9354 0.672917 12.6933 1.04833 13.3875 1.53L12.155 2.78375C11.6167 2.44375 11.0429 2.17827 10.4338 1.9873C9.82458 1.79633 9.18 1.70057 8.5 1.7C6.61583 1.7 5.01132 2.36243 3.68645 3.6873C2.36158 5.01217 1.69943 6.6164 1.7 8.5C1.70057 10.3836 2.363 11.9881 3.6873 13.3135C5.0116 14.639 6.61583 15.3011 8.5 15.3C10.3842 15.2989 11.9887 14.6367 13.3135 13.3135C14.6384 11.9904 15.3006 10.3859 15.3 8.5C15.3 8.245 15.2858 7.99 15.2575 7.735C15.2292 7.48 15.1867 7.23208 15.13 6.99125L16.5112 5.61C16.6671 6.06333 16.7875 6.53083 16.8725 7.0125C16.9575 7.49417 17 7.99 17 8.5C17 9.67583 16.7767 10.7808 16.3302 11.815C15.8837 12.8492 15.2782 13.7487 14.5138 14.5138C13.7493 15.2787 12.8497 15.8845 11.815 16.331C10.7803 16.7776 9.67527 17.0006 8.5 17ZM7.31 12.41L3.6975 8.7975L4.8875 7.6075L7.31 10.03L15.81 1.50875L17 2.69875L7.31 12.41Z\" fill=\"white\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-985bc99 elementor-widget elementor-widget-heading\" data-id=\"985bc99\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Task definition and value assessment<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5774305 elementor-widget elementor-widget-text-editor\" data-id=\"5774305\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The increasing integration of artificial intelligence and automation means that humans will primarily manage and oversee processes rather than perform routine tasks themselves. As a result, companies will need to redefine job roles, shifting from execution-based responsibilities to strategic oversight and problem-solving functions. This will require more focus on humans to define workflows, monitor execution and assess output quality, for example.<\/p><p>Organisations must recognise the growing importance of soft skills\u2014such as emotional intelligence and creative problem-solving\u2014in a world increasingly dominated by uncertainty. As technology takes on more routine tasks, human capital will be valued primarily for its ability to navigate complexity and adapt to unexpected developments.\u00a0 Employers would benefit from increasing their focus on and investments in leadership development programmes and cross-disciplinary training to ensure their workforce remains agile in the face of changing circumstances and demands.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-711458b elementor-widget elementor-widget-image\" data-id=\"711458b\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"414\" src=\"https:\/\/ferma.eu\/next-report-2025\/wp-content\/uploads\/2025\/05\/34-photo-3.jpg\" class=\"attachment-large size-large wp-image-529\" alt=\"\" srcset=\"https:\/\/ferma.eu\/next-report-2025\/wp-content\/uploads\/2025\/05\/34-photo-3.jpg 850w, https:\/\/ferma.eu\/next-report-2025\/wp-content\/uploads\/2025\/05\/34-photo-3-300x155.jpg 300w, https:\/\/ferma.eu\/next-report-2025\/wp-content\/uploads\/2025\/05\/34-photo-3-768x398.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d5d8181 e-con-full e-flex e-con e-child\" data-id=\"d5d8181\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1c9bc3b elementor-view-framed elementor-shape-circle elementor-widget elementor-widget-icon\" data-id=\"1c9bc3b\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"17\" viewBox=\"0 0 17 17\" fill=\"none\"><path d=\"M11.3333 17C9.47593 17 7.82315 16.4727 6.375 15.4181C4.92685 14.3634 3.9037 13.0019 3.30556 11.3333H0V9.44444H2.88056C2.83333 9.06667 2.81381 8.71659 2.822 8.39422C2.83018 8.07185 2.8497 7.7923 2.88056 7.55555H0V5.66667H3.30556C3.9037 3.99815 4.92685 2.63657 6.375 1.58194C7.82315 0.527315 9.47593 0 11.3333 0C12.4194 0 13.4467 0.192981 14.4151 0.578944C15.3834 0.964907 16.2451 1.496 17 2.17222L15.6542 3.49444C15.0718 2.99074 14.4147 2.59722 13.6831 2.31389C12.9515 2.03056 12.1682 1.88889 11.3333 1.88889C9.99537 1.88889 8.79907 2.23928 7.74444 2.94006C6.68981 3.64083 5.89491 4.5497 5.35972 5.66667H11.3333V7.55555H4.79306C4.73009 7.98055 4.70648 8.35455 4.72222 8.67755C4.73796 9.00055 4.76157 9.25618 4.79306 9.44444H11.3333V11.3333H5.35972C5.89491 12.4509 6.68981 13.3601 7.74444 14.0609C8.79907 14.7617 9.99537 15.1117 11.3333 15.1111C12.1676 15.1111 12.9509 14.9694 13.6831 14.6861C14.4154 14.4028 15.0724 14.0093 15.6542 13.5056L17 14.8278C16.2444 15.5046 15.3825 16.036 14.4141 16.422C13.4457 16.808 12.4188 17.0006 11.3333 17Z\" fill=\"white\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d144f43 elementor-widget elementor-widget-heading\" data-id=\"d144f43\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pension protection gap<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f4a4db elementor-widget elementor-widget-text-editor\" data-id=\"3f4a4db\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>As Europe&#8217;s population ages, the need for private pension schemes is increasing as public systems become less sustainable. In light of the growing proportion of public debt that will be allocated to fund the ageing population, governments may be forced to reform pension structures, potentially increasing corporate tax obligations.<\/p><p>A shift toward automation will reduce the number of pension-eligible employees, raising ethical and financial questions about future workforce contributions. Some proposals suggest implementing taxation on robotic labour or introducing universal basic income models to compensate for lost human income-generating employment, and corresponding losses in savings as well as income taxes.<\/p><p>The broader challenge remains ensuring solidarity within an evolving economic landscape. Companies that take a proactive approach to pension planning\u2014by offering hybrid financial support structures, incentivising lengthier participation in the workforce, or collaborating with policymakers on sustainable pension models will be better equipped to navigate these demographic shifts.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-336001f elementor-widget elementor-widget-image\" data-id=\"336001f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"414\" src=\"https:\/\/ferma.eu\/next-report-2025\/wp-content\/uploads\/2025\/05\/34-photo-4.jpg\" class=\"attachment-large size-large wp-image-530\" alt=\"\" srcset=\"https:\/\/ferma.eu\/next-report-2025\/wp-content\/uploads\/2025\/05\/34-photo-4.jpg 850w, https:\/\/ferma.eu\/next-report-2025\/wp-content\/uploads\/2025\/05\/34-photo-4-300x155.jpg 300w, https:\/\/ferma.eu\/next-report-2025\/wp-content\/uploads\/2025\/05\/34-photo-4-768x398.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c3aa7f7 e-con-full e-flex e-con e-child\" data-id=\"c3aa7f7\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-7b8703c e-con-full e-flex e-con e-child\" data-id=\"7b8703c\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b1ad0a1 elementor-view-framed elementor-shape-circle elementor-widget elementor-widget-icon\" data-id=\"b1ad0a1\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"5\" height=\"18\" viewBox=\"0 0 5 18\" fill=\"none\"><path d=\"M2.5 0.261719C2.87888 0.261719 3.24224 0.440825 3.51015 0.759637C3.77806 1.07845 3.92857 1.51085 3.92857 1.96172C3.92857 2.41259 3.77806 2.84499 3.51015 3.1638C3.24224 3.48261 2.87888 3.66172 2.5 3.66172C2.12112 3.66172 1.75776 3.48261 1.48985 3.1638C1.22194 2.84499 1.07143 2.41259 1.07143 1.96172C1.07143 1.51085 1.22194 1.07845 1.48985 0.759637C1.75776 0.440825 2.12112 0.261719 2.5 0.261719ZM1.42857 4.51172H3.57143C3.95031 4.51172 4.31367 4.69083 4.58158 5.00964C4.84949 5.32845 5 5.76085 5 6.21172V10.8867H3.92857V17.2617H1.07143V10.8867H0V6.21172C0 5.76085 0.15051 5.32845 0.418419 5.00964C0.686328 4.69083 1.04969 4.51172 1.42857 4.51172Z\" fill=\"white\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dd1e422 elementor-widget elementor-widget-heading\" data-id=\"dd1e422\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Key risk management takeaways<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-23e6669 e-grid e-con-full e-con e-child\" data-id=\"23e6669\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-f554501 e-con-full e-flex e-con e-child\" data-id=\"f554501\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1f01ff9 elementor-widget elementor-widget-image\" data-id=\"1f01ff9\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"444\" height=\"134\" src=\"https:\/\/ferma.eu\/next-report-2025\/wp-content\/uploads\/2025\/05\/Rectangle-68-1.jpg\" class=\"attachment-large size-large wp-image-844\" alt=\"\" srcset=\"https:\/\/ferma.eu\/next-report-2025\/wp-content\/uploads\/2025\/05\/Rectangle-68-1.jpg 444w, https:\/\/ferma.eu\/next-report-2025\/wp-content\/uploads\/2025\/05\/Rectangle-68-1-300x91.jpg 300w\" sizes=\"(max-width: 444px) 100vw, 444px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b375e6b elementor-widget elementor-widget-heading\" data-id=\"b375e6b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Integrate human capital into risk frameworks\u2028<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-95db207 elementor-widget elementor-widget-text-editor\" data-id=\"95db207\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Human capital risks should form part of ERM frameworks and dependencies on talent should be mapped. Workforce resilience metrics, including HR trends, should be included in risk registers.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-37a40e2 e-con-full e-flex e-con e-child\" data-id=\"37a40e2\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f8a192b elementor-widget elementor-widget-image\" data-id=\"f8a192b\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"444\" height=\"134\" src=\"https:\/\/ferma.eu\/next-report-2025\/wp-content\/uploads\/2025\/05\/Rectangle-69.jpg\" class=\"attachment-large size-large wp-image-843\" alt=\"\" srcset=\"https:\/\/ferma.eu\/next-report-2025\/wp-content\/uploads\/2025\/05\/Rectangle-69.jpg 444w, https:\/\/ferma.eu\/next-report-2025\/wp-content\/uploads\/2025\/05\/Rectangle-69-300x91.jpg 300w\" sizes=\"(max-width: 444px) 100vw, 444px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d88f5e elementor-widget elementor-widget-heading\" data-id=\"3d88f5e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Scenario plan for workforce disruption\u2028<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a5b0ab elementor-widget elementor-widget-text-editor\" data-id=\"9a5b0ab\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Risk teams should run simulations on workforce volatility, AI displacement or generational shifts. This should include scenarios in which up to 30% of functions are impacted by talent shortages or automation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0c51a95 e-con-full e-flex e-con e-child\" data-id=\"0c51a95\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dfb76c9 elementor-widget elementor-widget-image\" data-id=\"dfb76c9\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"444\" height=\"134\" src=\"https:\/\/ferma.eu\/next-report-2025\/wp-content\/uploads\/2025\/05\/Rectangle-70.jpg\" class=\"attachment-large size-large wp-image-842\" alt=\"\" srcset=\"https:\/\/ferma.eu\/next-report-2025\/wp-content\/uploads\/2025\/05\/Rectangle-70.jpg 444w, https:\/\/ferma.eu\/next-report-2025\/wp-content\/uploads\/2025\/05\/Rectangle-70-300x91.jpg 300w\" sizes=\"(max-width: 444px) 100vw, 444px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dd88801 elementor-widget elementor-widget-heading\" data-id=\"dd88801\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Collaborate on strategic workforce planning\u2028<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-066e7c0 elementor-widget elementor-widget-text-editor\" data-id=\"066e7c0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Risk Managers should work with HR counterparts and business units to assess long-term skills gaps, identif vulnerable roles and functions and support upskillng\/reskilling investment decisions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e47c5a7 e-con-full e-flex e-con e-child\" data-id=\"e47c5a7\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-097497d elementor-widget elementor-widget-image\" data-id=\"097497d\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"444\" height=\"134\" src=\"https:\/\/ferma.eu\/next-report-2025\/wp-content\/uploads\/2025\/05\/Rectangle-71.jpg\" class=\"attachment-large size-large wp-image-841\" alt=\"\" srcset=\"https:\/\/ferma.eu\/next-report-2025\/wp-content\/uploads\/2025\/05\/Rectangle-71.jpg 444w, https:\/\/ferma.eu\/next-report-2025\/wp-content\/uploads\/2025\/05\/Rectangle-71-300x91.jpg 300w\" sizes=\"(max-width: 444px) 100vw, 444px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7cf7a92 elementor-widget elementor-widget-heading\" data-id=\"7cf7a92\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Assess and monitor pension liabilities\u2028<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cd45297 elementor-widget elementor-widget-text-editor\" data-id=\"cd45297\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Risk Managers should evaluate the impact of demographic trends on pension commitments and labour costs and collaborate with finance and legal teams to address exposures and regulatory risks.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d863ecd e-con-full e-flex e-con e-child\" data-id=\"d863ecd\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-296baa7 elementor-widget elementor-widget-image\" data-id=\"296baa7\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"444\" height=\"134\" src=\"https:\/\/ferma.eu\/next-report-2025\/wp-content\/uploads\/2025\/05\/Rectangle-71-1.jpg\" class=\"attachment-large size-large wp-image-840\" alt=\"\" srcset=\"https:\/\/ferma.eu\/next-report-2025\/wp-content\/uploads\/2025\/05\/Rectangle-71-1.jpg 444w, https:\/\/ferma.eu\/next-report-2025\/wp-content\/uploads\/2025\/05\/Rectangle-71-1-300x91.jpg 300w\" sizes=\"(max-width: 444px) 100vw, 444px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6187132 elementor-widget elementor-widget-heading\" data-id=\"6187132\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Monitor legal and ESG trends in employment\u2028<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29853ac elementor-widget elementor-widget-text-editor\" data-id=\"29853ac\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Risk teams should track human rights-related litigation and ESG expectations linked to employment practices, diversity and fairness as part of a growing reputational and liability risk.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fb2d25d e-con-full e-flex e-con e-child\" data-id=\"fb2d25d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0fc976d elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"0fc976d\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2b02d35 e-con-full e-flex e-con e-child\" data-id=\"2b02d35\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-838d6e4 elementor-widget elementor-widget-heading\" data-id=\"838d6e4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Scenario<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6fb6d18 elementor-widget elementor-widget-text-editor\" data-id=\"6fb6d18\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Example: Applying scenario planning to climate change risk<\/p><p><em>Axes:<\/em><\/p><p><em>1. Level of global climate policy alignment<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7167b53 e-grid e-con-full e-con e-child\" data-id=\"7167b53\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-a93fe96 e-con-full e-flex e-con e-child\" data-id=\"a93fe96\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2ef4e7e e-con-full e-flex e-con e-child\" data-id=\"2ef4e7e\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c2c9bd7 elementor-widget elementor-widget-heading\" data-id=\"c2c9bd7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Steady as you go\u2028<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6628dbe elementor-widget elementor-widget-text-editor\" data-id=\"6628dbe\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Predictable, structured paths, clear roles, continuity across time and generations<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-68109b9 e-con-full e-flex e-con e-child\" data-id=\"68109b9\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-49e0d68 e-con-full e-flex e-con e-child\" data-id=\"49e0d68\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d16f45c elementor-widget elementor-widget-heading\" data-id=\"d16f45c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Liquid careers\u2028<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c642e6d elementor-widget elementor-widget-text-editor\" data-id=\"c642e6d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Fragmented gigs, frequent job changes, fluid teams, uncertain paths<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f78e65 elementor-widget elementor-widget-text-editor\" data-id=\"3f78e65\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em>2. Pace of physical climate impact<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f3fed81 e-grid e-con-full e-con e-child\" data-id=\"f3fed81\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-79ac676 e-con-full e-flex e-con e-child\" data-id=\"79ac676\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6af17fc e-con-full e-flex e-con e-child\" data-id=\"6af17fc\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-be3ee07 elementor-widget elementor-widget-heading\" data-id=\"be3ee07\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">On our toes\u2028<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a53a23e elementor-widget elementor-widget-text-editor\" data-id=\"a53a23e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Agile, inclusive, proactive in learning, tech, multigenerational needs<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-82e3b13 e-con-full e-flex e-con e-child\" data-id=\"82e3b13\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-a088a50 e-con-full e-flex e-con e-child\" data-id=\"a088a50\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3821b5d elementor-widget elementor-widget-heading\" data-id=\"3821b5d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Employees will adapt\u2028<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b780fff elementor-widget elementor-widget-text-editor\" data-id=\"b780fff\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Static org models, weak learning culture, rigid structures<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2a0c7a0 e-flex e-con-boxed e-con e-parent\" data-id=\"2a0c7a0\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-b82f873 e-con-full e-flex e-con e-child\" data-id=\"b82f873\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e9d9eaf elementor-absolute elementor-widget elementor-widget-html\" data-id=\"e9d9eaf\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script>\ndocument.addEventListener(\"DOMContentLoaded\", function () {\n  const ctaElements = document.querySelectorAll(\".elementor-widget-call-to-action\");\n  const contentIds = [\"A\", \"B\", \"C\", \"D\"];\n\n  ctaElements.forEach((cta) => {\n    cta.addEventListener(\"click\", function () {\n      \/\/ Zmie\u0144 aktywny przycisk\n      ctaElements.forEach(el => el.classList.remove(\"active\"));\n      this.classList.add(\"active\");\n\n      \/\/ Pobierz liter\u0119 z tytu\u0142u (A, B, C lub D)\n      const 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data-id=\"6302dd8\" data-element_type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta\">\n\t\t\t\t\t<div class=\"elementor-cta__bg-wrapper\">\n\t\t\t\t<div class=\"elementor-cta__bg elementor-bg\" style=\"background-image: url();\" role=\"img\" aria-label=\"\"><\/div>\n\t\t\t\t<div class=\"elementor-cta__bg-overlay\"><\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-cta__content\">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-cta__title elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tA\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__description elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tPatchwork\nfutures\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e47b227 elementor-cta--skin-cover gold elementor-widget elementor-widget-call-to-action\" data-id=\"e47b227\" data-element_type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta\">\n\t\t\t\t\t<div class=\"elementor-cta__bg-wrapper\">\n\t\t\t\t<div class=\"elementor-cta__bg elementor-bg\" style=\"background-image: url();\" role=\"img\" aria-label=\"\"><\/div>\n\t\t\t\t<div class=\"elementor-cta__bg-overlay\"><\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-cta__content\">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-cta__title elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tB\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__description elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tSilver\nsynergy\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-916cb62 elementor-cta--skin-cover gold elementor-widget elementor-widget-call-to-action\" data-id=\"916cb62\" data-element_type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta\">\n\t\t\t\t\t<div class=\"elementor-cta__bg-wrapper\">\n\t\t\t\t<div class=\"elementor-cta__bg elementor-bg\" style=\"background-image: url();\" role=\"img\" aria-label=\"\"><\/div>\n\t\t\t\t<div class=\"elementor-cta__bg-overlay\"><\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-cta__content\">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-cta__title elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tD\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__description elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tHuman\ncapital hunt\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-92cb37c elementor-cta--skin-cover gold elementor-widget elementor-widget-call-to-action\" data-id=\"92cb37c\" data-element_type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta\">\n\t\t\t\t\t<div class=\"elementor-cta__bg-wrapper\">\n\t\t\t\t<div class=\"elementor-cta__bg elementor-bg\" style=\"background-image: url();\" role=\"img\" aria-label=\"\"><\/div>\n\t\t\t\t<div class=\"elementor-cta__bg-overlay\"><\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-cta__content\">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-cta__title elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tC\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__description elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tLegacy\ngridlock\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5cffb0b elementor-absolute elementor-hidden-mobile elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"5cffb0b\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 298 314\"><path d=\"M149.988 -0.00585938L138.441 19.9941L161.535 19.9941L149.988 -0.00585938ZM149.988 313.721L161.535 293.721L138.441 293.721L149.988 313.721ZM149.988 17.9941L147.988 17.9941L147.988 295.721L149.988 295.721L151.988 295.721L151.988 17.9941L149.988 17.9941Z\"><\/path><path d=\"M297.621 155.832L277.621 144.285L277.621 167.379L297.621 155.832ZM0.414185 155.832L20.4142 167.379L20.4142 144.285L0.414185 155.832ZM279.621 155.832L279.621 153.832L149.018 153.832L149.018 155.832L149.018 157.832L279.621 157.832L279.621 155.832ZM149.018 155.832L149.018 153.832L18.4142 153.832L18.4142 155.832L18.4142 157.832L149.018 157.832L149.018 155.832Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bb9da0e elementor-absolute elementor-widget elementor-widget-text-editor\" data-id=\"bb9da0e\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>On our toes<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-54e2156 elementor-absolute e-transform elementor-widget elementor-widget-text-editor\" data-id=\"54e2156\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;,&quot;_transform_translateX_effect_mobile&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:75,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Fragmented<br \/>efforts<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-66253f1 elementor-absolute e-transform elementor-widget elementor-widget-text-editor\" data-id=\"66253f1\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;,&quot;_transform_translateX_effect_mobile&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:-75,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateX_effect_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_translateY_effect_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Steady as<br \/>you go<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c001c9 elementor-widget__width-initial elementor-absolute elementor-widget elementor-widget-text-editor\" data-id=\"7c001c9\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Employees will adapt<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-943d1f1 e-con-full show-text e-flex e-con e-child\" data-id=\"943d1f1\" data-element_type=\"container\" id=\"A\">\n\t\t\t\t<div class=\"elementor-element elementor-element-83f464d elementor-widget elementor-widget-heading\" data-id=\"83f464d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">A . Liquid careers &amp; On our toes: \u201cPatchwork Futures\u201d<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d82a9d9 elementor-widget elementor-widget-text-editor\" data-id=\"d82a9d9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Here, jobs are fluid and careers are built across projects, platforms and employers. Orgnisations adapt by building agile learning cultures, using short-term contracts and portfolio-based teams. Ageing workers must continuously reskill or risk marginalisation. Some thrive as flexible experts, while others struggle with fragmented pensions and inconsistent work.<\/p><p><span class=\"gold\">Implications:<\/span><br \/>Firms stay competitive by embracing change, but must invest in continuous onboarding and health support. Cross-generational equity becomes a flashpoint, especially around retirement security.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2416bba e-con-full e-flex e-con e-child\" data-id=\"2416bba\" data-element_type=\"container\" id=\"B\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1b57521 elementor-widget elementor-widget-heading\" data-id=\"1b57521\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">B. Steady as you go &amp; On our toes: \u201cSilver Synergy\u201d<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dc0f05c elementor-widget elementor-widget-text-editor\" data-id=\"dc0f05c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In this scenario, organisations create strong internal talent pipelines, valuing both experience and agility. Long-term career models are refreshed through constant upskilling and cross-generational mentoring. Ageing workers phase into part-time and advisory roles while younger talent thrives in structured but evolving career tracks. Intergenerational collaboration is seen as a competitive edge.<\/p><p><span class=\"gold\"><em>Implications:<\/em><\/span><br \/>Organisations maintain deep expertise while fostering innovation. They reduce turnover, manage pension burdens proactively and leverage longevity as an asset\u2014not a cost.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5b9decf e-con-full e-flex e-con e-child\" data-id=\"5b9decf\" data-element_type=\"container\" id=\"C\">\n\t\t\t\t<div class=\"elementor-element elementor-element-784d83b elementor-widget elementor-widget-heading\" data-id=\"784d83b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">C. Steady as you go &amp; Employees will adapt: \u201cLegacy Gridlock\u201d<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-58fd64f elementor-widget elementor-widget-text-editor\" data-id=\"58fd64f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Organisations retain traditional structures and career models but fail to keep pace with changing needs. Ageing employees dominate senior roles, with limited upward mobility for younger generations. Skills become outdated, and knowledge transfer lags. Resistance to hybrid work, new tech and agile processes creates internal friction.<\/p><p><span class=\"gold\"><em>Implications:<\/em><\/span><br \/>Workforces stagnate. Costs rise, engagement falls and companies struggle to attract talent aged under 40. Pension liabilities grow unchecked, and productivity plateaus.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-57cfaa8 e-con-full e-flex e-con e-child\" data-id=\"57cfaa8\" data-element_type=\"container\" id=\"D\">\n\t\t\t\t<div class=\"elementor-element elementor-element-571b17e elementor-widget elementor-widget-heading\" data-id=\"571b17e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">D. Liquid careers &amp; Employees will adapt: \u201cHuman capital hunt\u201d<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a7f0733 elementor-widget elementor-widget-text-editor\" data-id=\"a7f0733\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In this scenario, the labour market is chaotic and companies are unprepared. Jobs are short-lived, learning is self-funded and ageing workers are sidelined. Younger workers churn frequently; older employees are seen as too expensive. No one feels secure. Trust in employers collapses.<\/p><p><span class=\"gold\"><em>Implications:<\/em><\/span><br \/>Talent shortages worsen. Knowledge loss is rampant. Organisations face reputational risk, operational fragility and growing legal and political pressure to fix systemic workforce failures.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8e6598a e-flex e-con-boxed e-con e-parent\" data-id=\"8e6598a\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-b0513f2 e-con-full e-flex e-con e-child\" data-id=\"b0513f2\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c996c28 e-flex e-con-boxed e-con e-parent\" data-id=\"c996c28\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-b67badd e-con-full e-flex e-con e-child\" data-id=\"b67badd\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-05e45f9 elementor-align-right elementor-widget elementor-widget-button\" data-id=\"05e45f9\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/ferma.eu\/next-report-2025\/3-3\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 25 24\" transform=\"rotate(0 0 0)\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M5.91406 4.5C5.91406 4.08579 6.24985 3.75 6.66406 3.75C7.07828 3.75 7.41406 4.08579 7.41406 4.5V9.83812L15.567 4.27346C17.0605 3.2541 19.0854 4.32365 19.0854 6.13185L19.0854 17.868C19.0854 19.6762 17.0605 20.7457 15.567 19.7264L7.41406 14.1617V19.4999C7.41406 19.9142 7.07828 20.25 6.66406 20.25C6.24985 20.25 5.91406 19.9142 5.91406 19.4999V4.5ZM7.81514 12.6194C7.37888 12.3216 7.37888 11.6782 7.81514 11.3805L16.4126 5.51238C16.9104 5.1726 17.5854 5.52912 17.5854 6.13185L17.5854 17.868C17.5854 18.4707 16.9104 18.8272 16.4126 18.4875L7.81514 12.6194Z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a52e742 elementor-align-right elementor-widget elementor-widget-button\" data-id=\"a52e742\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/ferma.eu\/next-report-2025\/end-notes\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 25 24\" transform=\"rotate(0 0 0)\"><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M19.0854 4.5C19.0854 4.08579 18.7496 3.75 18.3354 3.75C17.9212 3.75 17.5854 4.08579 17.5854 4.5V9.83812L9.43248 4.27346C7.939 3.2541 5.91406 4.32365 5.91406 6.13185V17.868C5.91406 19.6762 7.939 20.7457 9.43248 19.7264L17.5854 14.1617V19.4999C17.5854 19.9142 17.9212 20.25 18.3354 20.25C18.7496 20.25 19.0854 19.9142 19.0854 19.4999V4.5ZM17.1843 12.6194C17.6206 12.3216 17.6206 11.6782 17.1843 11.3805L8.58687 5.51238C8.08904 5.1726 7.41406 5.52912 7.41406 6.13185L7.41406 17.868C7.41406 18.4707 8.08904 18.8272 8.58687 18.4875L17.1843 12.6194Z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Next chapter<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>3.4 Human capital risks reshaping the future of business Human capital risks will transform the future of European businesses, making it imperative for companies to rethink talent strategies, employment models and long-term workforce planning. Organisations that prioritise adaptability, lifelong learning and well-structured workforce policies will be best positioned to navigate an increasingly complex labour market. [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-135","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/ferma.eu\/next-report-2025\/wp-json\/wp\/v2\/pages\/135","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ferma.eu\/next-report-2025\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ferma.eu\/next-report-2025\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ferma.eu\/next-report-2025\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ferma.eu\/next-report-2025\/wp-json\/wp\/v2\/comments?post=135"}],"version-history":[{"count":40,"href":"https:\/\/ferma.eu\/next-report-2025\/wp-json\/wp\/v2\/pages\/135\/revisions"}],"predecessor-version":[{"id":917,"href":"https:\/\/ferma.eu\/next-report-2025\/wp-json\/wp\/v2\/pages\/135\/revisions\/917"}],"wp:attachment":[{"href":"https:\/\/ferma.eu\/next-report-2025\/wp-json\/wp\/v2\/media?parent=135"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}