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acquisition of products add or delete additional anonymous answer questionnaires areas asked choice and acquisition Clarksburg collate concerning Medicare consensus concerning Consumer Education Program Consumer Handbook consumer problems cooperation copy of Questionnaire Delphi Technique elderly as consumers enclosed experts expressed need Fairmont feel free fifteen categories formidable four questionnaires free to let greatest concern group discussion handbook to help indicated their willingness interest involved Kingwood known as T-nipping let us know letter list includes listed items mailing of Questionnaire matrix method Morgantown older citizens opinions order of priority persons priority was placed products and services reaching consensus receipt receive reply responses sample questionnaire second mailing Senior Citizens Center shrewd Social Security Benefits Statewide Consumer Education summation survey T-nipping process T-NIPPING TECHNIQUES telephoned third list thirty-three valuable information various senior citizen Virginia Statewide Consumer West Virginia Statewide West Virginia University willingness to participate workshops