This document summarizes a presentation by Mark McCrindle on emerging trends among 21st century customers and employees. It identifies 10 key trends: 1) A aging global population. 2) Life expectancy is increasing dramatically. 3) Staff shortages are occurring as fewer people enter the workforce. 4) Different generations in the workforce have different needs and preferences. 5) Younger generations value potential over credentials. 6) Different demographic groups have asymmetrical values. 7) A new Australian identity is emerging. 8) Life stages are less defined with people delaying adulthood. 9) Organizational structures are becoming more fluid and collaborative. 10) Engagement is driven more by emotions and experiences than rational arguments.