Do not spend the money. There isn't much to research. If the settlement for each person is small and/or takes time to figure it, fine or settle and reduce your budget or debt. If settlement is more than $50 per person and takes about half hour to get documentation and submit, then consumers like me will submit, if the settlement is about appropriate for the offense. By the way, making settlements for anything less than $50 is a waste of time and money. It costs way more than $50 to process a $50 settlement to each person. If settlements involve small payments to individuals, then put the money into something obviously, publicly, that benefits all of us, more oversight, more policing of truth in advertising, more fraud support, etc. I haven't applied on 2 settlements, I think I could have gotten a few bucks from. I really manage our budget, the minor amount involved wasn't worth time. BUT, I certainly don't think you need a study to figure that out please. A study would be a waste of money, not only because the answers are pretty clear, but because consumers are tired of studies and are getting a lot less interested in responding (don't waste another study on this). Contract an accountant to help DOD get to an auditable budget.