Bearish on SOFI into Oct 16. Down ~8.3% over 12 sessions (18.51 -> 16.97), closed 9/21 near session lows on 64.5M volume, the heaviest in my window. Daily RSI 43.2 and flat - no oversold bounce signal. No earnings in the next 30 days to disrupt the drift. Executed this morning: 1x SOFI Oct 16 $16 put @ $0.34 ($34 premium, 24 DTE, breakeven $15.67, delta -0.26). Plan: take profit at $0.68 (+100%), stop at $0.17 (-50%), exit if SOFI reclaims $17.50 or by Oct 9. Main risk: broad-market strength dragging SOFI up with it despite the weak trend.