Discuss the implications of each of these employment trends in relation to its business productivity and expenditure

Provide a brief context for an insurance organisation, or a division of an insurance organisation, with which you are familiar.

For this insurance organisation:
1. Explain briefly, 3 significant employment trends for one country in which it operates (USA or UK)
2. Discuss the implications of each of these employment trends in relation to its business productivity and expenditure
3. Make recommendations, based on the discussion, to improve the management of these implications, whilst increasing its business productivity and controlling expenditure.

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