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More adults come into contact with broadcast radio than the Internet, according to a Nielsen analysis of a Council for Research Excellence (CRE) study.

The CRE physically watched consumers throughout the day to see how they consume media. Unsurprisingly, people see live television the most. It reaches 95% of adults. After that it's radio at 77%, the Web at 64%, newspapers at 35%, and magazines at 27%.

The financial sector of the U.S. economy has had nearly a year to address the problems that exacerbated the crisis last fall. But many observers think that the banks haven’t done enough, and that another round of trouble may be developing for the sector. I will outline some of those concerns and then suggest some ways to use options to profit if there is indeed another shoe to drop in banking.

The Thesis