| Early retirement | _____ has decided to spend more time with their family | Workforce change | Morale | Attrition |
| Cost cutting | Consultation | Spending review | Surplus | Top down |
| At risk | Resources | REDUNDANCY BINGO (free square) | Redeployment | Economy |
| Matrix | Streamline | Efficiency | Voluntary | Termination |
| Survivor Guilt | Downsize | Assimilation | Silver lining | Hot desk |