By Douglas Holtz-Eakin
The young drop coverage to avoid higher premiums
Independent voices from the TWT Communities

The 28-13 loss to the Baltimore Ravens in the AFC championship game Sunday night left the Patriots without a Super Bowl title for the eighth straight year and sent them into an offseason when they could lose two key players.
Patriots tight end Rob Gronkowski needs surgery on his broken left arm, a person with knowledge of the injury told The Associated Press.

San Jose State endured a few turbulent weeks after former coach Mike MacIntyre left for Colorado. It was nothing compared to how far the 24th-ranked Spartans had come in just a few years.
Good as Andrew Luck and Robert Griffin III have been, look beyond the first-year quarterbacks making a strong first impression and check out the other NFL rookies delivering dynamic performances.

The Washington TImes' best guess for the 2012 NFL season.
Syracuse is right where every team hopes to be _ undefeated heading into the third week of the season. It's a long road until the finale at Pittsburgh in December, though, and injuries might make it a serious drag at times.
Doug Marrone begins his third season as coach at Syracuse with a tough act to follow _ his own.
"We have some guys in that interior that are nasty. They just don't care," said stalwart senior defensive end Chandler Jones, who had 9.5 sacks and forced three fumbles last season. "That's what we need on defense _ somebody to risk their body and throw their body in there to make that play."