By Douglas Holtz-Eakin
The young drop coverage to avoid higher premiums
Independent voices from the TWT Communities
Robert Griffin III of the Washington Redskins has won The Associated Press 2012 NFL Offensive Rookie of the Year award, beating out two other sensational first-year quarterbacks.
Linebacker Luke Kuechly, Carolina's tackling machine, has won the Associated Press 2012 NFL Defensive Rookie of the Year award.
Washington's Robert Griffin III beat out fellow quarterbacks Andrew Luck and Russell Wilson to win The Associated Press 2012 NFL Offensive Rookie of the Year award.
Houston end J.J. Watt has won The Associated Press 2012 NFL Defensive Player of the Year award, missing a perfect ballot by one vote.
Adrian Peterson has won The Associated Press 2012 NFL Offensive Player of the Year award just one year after major knee surgery.
Robert Griffin III has an award _ and a warning for the NFL.
Peyton Manning's stunning return from four neck surgeries has netted him The Associated Press 2012 NFL Comeback Player of the Year award.
Adrian Peterson's sensational season following major knee surgery has earned him The Associated Press 2012 NFL Most Valuable Player Award.