decreased ad growth from cars and financial services? 

decreased ad growth from cars and financial services?

These industries maybe saturated, plus are interest-rate sensitive.

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Extremely low interest rates by the Fed led to part two of "irrational exuberance." This was an attempt to move the economy out of the mini recession resulting from the dot bomb years. Everyone who wanted a cheap mortgage got one. They then proceeded to try "flipping" to make easy, fast money. With it all drained, many are now stuck with over-priced real estate and ARMS.

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Cars. Once again, it is saturated with all types of vehicles people don't want. Many aren't making enough of what is wanted, namely hybrids. This includes plug-in hybrids which NO major manufacturer offers. They want more high-mileage diesel options, etc.

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You can throw as many ads as you want at those two problems. However, it doesn't help if fundamental aspects aren't addressed. They are probably starting to notice this.