Dylan Ratigan started CNBC's "Fast Money" show Tuesday night with a discussion of the U.S. stock market, which he said "had the best day in weeks, because it didn't behave like an unadulterated lunatic."He said the big headline of the day was the U.S. government's $250 billion plan to invest directly into banks. Karen Finerman said "the hope is that these top banks will take the money and start to lend." She mentioned some of the banks need to shore up their balance sheets. Jeff Macke said, "Every other stock besides the nine banks the government is throwing money at are sells." He said he sold his Citigroup ( C) today and just about everything else. Ratigan explained that the three-month Libor got cheaper today. Tim Seymour said "the credit market's reaction was slightly better, but we're still at 200-baisis points above normal borrowing costs." Macke pointed out that PepsiCo ( PEP) and Sears Holdings ( SHLD) traded horribly today despite the new bank plan. He said "the government can't legislate people becoming confident." Pete Najarian mentioned that Regions Financial ( RF), Fifth Third Bancorp ( FITB) and National City ( NCC) all prospered because now the "good banks" have a lot of capital and could start spending it. Najarian says, "If you're a fast-money trader, this is your kind of market." He recommended that investors use derivates to their advantage - such as buying stock in Freeport McMoRan ( FCX) and selling at-the-money calls to collect the premium. Guy Adami told viewers the market is very volatile. He says, "unless you're watching a stock like Western Digital ( WDC) all day long, the run is over before it begins." Macke says traders have two options in this market "do nothing or have the guts to get long days like yesterday."