What are the Triggers that cause a crisis?

There are numerous reasons that could trigger a practice workforce crisis.  We have identified a few of them but there will be others we haven't considered:

• Retirement
• Mortality
• Career Progression 
• Career Changes (e.g. reduced hours)
• Career Termination (partner resignation)
• Disagreement
• Long Term Sickness
• List Size Changes (Dispersals / New Housing Developments)
• Finance
• Major Risk of Flood / Fire
• Cyber Security Breaches