Personnel losses are caused by death, disability, retirement, resignation or unemployment Two main effects measureable in terms of money are (i) loss of the value of the person’s service as for example loss of profits to a promoter when because of sickness or death of a popular artist, a series of events have to be cancelled, loss of future earning for an organization when several technocrats resign to start their own company, loss of income to a family when the only earning member is laid off, etc., and (ii) Any extra expenses caused by that loss such as medical bills a family or organization has to incur, extra expenses for delay in filming a movie when the lead hero or heroine falls ill, extra expenses necessitated for employing and training new staff if the old ones do not return after a long shutdown, etc.