Dan Daly has been writing about sports for the Washington Times since 1982. He has won numerous national and local awards, appears regularly in NFL Films’ historical features and is the co-author of "The Pro Football Chronicle,” a decade-by-decade history of the game. Follow Dan on Twitter at @dandalyonsports –- or e-mail him at firstname.lastname@example.org.
By Douglas Holtz-Eakin
The young drop coverage to avoid higher premiums