Bank Of America Merrill Lynch (BofA) released a big report on the way Americans are using Facebook and other social services. The key takeaways from BofA: - Facebook is used by almost all Americans at this point. 96% of the people surveyed say they use Facebook. - Facebook has a tremendous opportunity to disrupt daily deals companies like LivingSocial and Groupon. Facebook users are interested in learning more about local deals and businesses. - Facebook usage is hurting Yahoo more than Google. Google usage is flat to up from Facebook users, but portal site usage is down. Get the full story at Business Insider