1put 10 ice cubes and milk into blender and pulse to break up ice. Add wheat germ, oatmeal, cocoa, Splenda and protein powder. Pulse a few times then add peanut butter and banana and pulse to get the banana broken up, add a pinch of salt and run for 15-30 seconds until smooth. Serve over ice.
I use protein powder called APC, but if you have something else feel free to use that. This smoothie is medium in thickness. If you would like this thicker, freeze 1/2 of the banana. If you would like it thinner, add additional milk or water and only put 5 cubes of ice in the blender.