If you do use a questionnaire, my recommendation is to answer questionnaires only after a large drop in stock prices.
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Companies can start with a simple survey (big firms may want to hire consultants, but even a free SurveyMonkey questionnaire will do).
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Do the workers who answered the questionnaire share a trait that could influence their wages?
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And in fact, what we do is we each write our own questionnaire.
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What ZestCash aims to do is really look at that question of risk propensity, using an online questionnaire and a risk manager to determine, in a Google-like data crunching way, just how risky this prospect actually is.
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