Because of the sensitive nature
of the topic, and the need to avoid breaching the confidentiality of the
relationship between the company and their customers, there was little we
could do to improve the response rate; accordingly, we oversampled the
debt groups even more heavily than in the previous study, so that we
should have a large enough sample of debtors for finer grain analysis, even
if the representativeness of that sample would inevitably remain in doubt.