By Douglas Holtz-Eakin
The young drop coverage to avoid higher premiums
Independent voices from the TWT Communities
Carson Palmer has landed with the third team of his NFL career.

The Raiders were at least able to get something for the quarterback rather than just release him. Oakland acquired quarterback Matt Flynn on Monday in a deal that sent two draft picks to the Seahawks.
New Arizona Cardinals coach Bruce Arians says his team isn't looking for a quarterback.
Top draft prospect Star Lotulelei will undergo more extensive heart tests when he returns to Utah.
Chuck Pagano walks into the Colts complex now and looks like his old self.
Bruce Arians has become the first interim coach to win the top NFL award from The Associated Press, taking the 2012 Coach of the Year honors for his work with the Indianapolis Colts.
Adrian Peterson called it a blessing in disguise.
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.

The Minnesota Vikings running back finished with 2,019 yards, a mere 9 yards short of breaking Eric Dickerson's rushing record. Peterson beat out Peyton Manning, who in his first season as Denver's quarterback contended for a fifth MVP trophy. Manning's four are a record.
Robert Griffin III has an award _ and a warning for the NFL.
The Arizona Cardinals have filled the NFL's final head coaching vacancy by hiring Indianapolis offensive coordinator Bruce Arians.
Marc Trestman had it all mapped out, right up to the Chicago Bears' championship parade. It was there on the calendar.
A person with knowledge of the situation says the Arizona Cardinals have filled the NFL's final head coaching vacancy by hiring Indianapolis offensive coordinator Bruce Arians.
The Arizona Cardinals have filled the NFL's final head coaching vacancy by hiring Indianapolis offensive coordinator Bruce Arians.
Mike McCoy's interview with San Diego went so well that both sides felt he was a perfect fit to become the Chargers' new coach.
"He impressed me so much in my office one on one, knowing at this point in time what he needs to do in his life," Cardinals first-year coach Bruce Arians said.
"We are not in that stage," Arians said. "This is too good of a football team for a youth movement. We're in it to win and win now."