before I head to bed just wanted to say, whatever you do test different banners, always! Or you could be leaving money on the table!
Right now I have two identical banners - A gets 0.12% click trough rate, B gets 0.08% click trough rate. Both are virtually identical, same text, same everything, except the colors!
So, don't throw the first thing you see and hope it works, there's always something better :)