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

Jackie Harbaugh will wear a neutral-colored outfit, still to be determined. Her daughter, Joani Crean, little sister to coaching brothers John and Jim Harbaugh, plans to sport all black at the Super Bowl to show no allegiances whatsoever.
This Super Bowl will be filled with firsts _ and one significant last.
Preparing to coach the Baltimore Ravens in the AFC championship game Sunday night, John Harbaugh watched on the stadium's big video screen as Jim Harbaugh's San Francisco 49ers wrapped up their victory in the NFC championship game.

Get ready for the Brother Bowl. It'll be Harbaugh vs. Harbaugh when Big Bro John's Baltimore Ravens (13-6) play Little Bro Jim's San Francisco 49ers (13-4-1) in the Super Bowl at New Orleans in two weeks.
The Baltimore Ravens and San Francisco 49ers have thrived this season because they are physical, relentless and combative.
Wives who married into some of the nation's bitterest rivalries are bonding, thanks to connections made on a social networking website.
"I am wearing whatever fits that day," Crean quipped.
The Harbaughs' sister, Joani Crean, wrote in a text to The Associated Press: "Overwhelmed with pride for John, Jim and their families!