Paul Morland is a research associate at Birkbeck, University of London, and an expert in demography. His articles have appeared in the Financial Times, the Toronto Globe and Mail, and the Jerusalem Post. In addition to his experience in the field of demography, Paul has worked as a business consultant for over twenty-five years, serving primarily financial services companies, including fund managers, retail and investment banks, and insurance companies. Since opening his own firm in 2002, he has worked with clients such as State Street Global Advisors, Prudential plc, Barclays Bank, and Janus Henderson Investors. Paul is French and holds dual British and German citizenship.