By Douglas Holtz-Eakin
The young drop coverage to avoid higher premiums

When the Earth's rotation begins to slow, it wreaks havoc on humans, animals and plant life. As daylight and nighttime stretch beyond the 24-hour cycle, it becomes harder for crops to grow. A strange illness affects some people, causing dizziness and nausea. Birds die by the hundreds while whales wash up on beaches.

If the name Ty Tryon rings a bell, it's likely not one that inspires thoughts of success and golf riches. Sure, Tryon signed endorsement deals worth $8 million and struck it rich as a teenage prodigy, but wins on the course never followed.