By Douglas Holtz-Eakin
The young drop coverage to avoid higher premiums
Every time Northwestern's football players slip on their workout shirts, they see just how close they came to an undefeated season in 2012.

Steve Spurrier's plan to use two quarterbacks in the Outback Bowl worked so well that Dylan Thompson and Connor Shaw both earned game balls.
Michigan put Denard Robinson back in the starting lineup _ at running back.
Michigan's football program has 23 seniors who will go out as winners, a far cry from their first season.
Michigan has gotten comfortable at home, winning five straight to open the season.

Denard Robinson middle, left and right.
Denard Robinson middle, left and right.

Michigan backup quarterback Tate Forcier is academically ineligible for the Gator Bowl against No. 21 Mississippi State, a person familiar with the ruling said.
Tate Forcier was oozing with confidence before he took a snap for Michigan last year.
Tate Forcier got his wings back.
Michigan has endured a lot of misery in Rich Rodriguez's two seasons in charge.
"I've just been waiting my turn," Gardner said. "I felt that I did the most I could with it."
While it seems unlikely a true freshman will start at QB for the second straight year _ ahead of two talented and experienced options _ Gardner says he has a shot to take the first snap on Sept. 4 against Connecticut.