Consider the following research project. Identify the weak areas and describe in detail how the research might have been improved to better attain its objectives.

A local bank was interested in determining how it might serve the needs of low-income households. It inserted a four-page survey into the monthly statements of all account holders with less than $2,000 in their accounts. The survey was structured and undisguised; 2,500 surveys were sent out and 196 were completed.