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Shelley--I'd also be leery of calculating anything much higher than a 90-95% reach. While possible in media R + F math models, it feels implausible that a campaign could reach 99 -100% of the target in this fragmented media world. Also sets you up for unrealistic client expectations.
If you're doing primarily broadcast, software such as Strata or SmartPlus would work. However, nobody has built the perfect mousetrap for multi-platform. Us buyers want rating points that transfer across mediums. While work is underway, we're not quite there yet.