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

Hyperbole can run amok when an NFL team wins its division for the first time in 13 years, especially if much of the heavy lifting is done by two rookies, one of them a virtual unknown before training camp convened.

Editor's Note: Times sports columnist Dan Daly knows the history of the NFL as well as anybody anywhere. The Times will offer an excerpt from his new book every day this week.