By Douglas Holtz-Eakin
The young drop coverage to avoid higher premiums
Independent voices from the TWT Communities
As expected, Monday at the PGA Tour's season opener figures to be filled with anticipation at the Tournament of Champions.
A bum deal for Webb Simpson. A big break for Scott Stallings.

Bethpage Black lived up its reputation because of the greens, which in some cases looked brown.
The Humana Challenge suspended play midway through the third round Saturday after high winds caused damage on all three courses, toppling trees, blowing balls off the greens and knocking a scoreboard into a lake.

The PGA Tour on Friday reduced its first playoff event to 54 holes because of the rain and potential damage expected from Hurricane Irene.
Hurricane Irene is forcing the PGA Tour's first playoff event to be reduced to 54 holes.
Greens were pelted by big hail and debris blew around the TPC Four Seasons course, but the site of this week's Byron Nelson Championship escaped significant damage during heavy storms.
Police in central Alabama say an officer shot and wounded a man who attacked a judge and tried to grab a gun from a spectator in a municipal courtroom.
The little patch of ice on the sidewalk outside the front entrance at the Phoenix Open was easy to step over. There was no way to miss the frigid temperatures and biting wind.

The Tournament of Champions lost another star player Friday when Camilo Villegas was disqualified for a rules violation that a television viewer called in after the opening round at Kapalua.
The Golf Channel came to the PGA Tour opener with hopes of putting a microphone on players for the Tournament of Champions. The trick now is to find a few volunteers.
Carl Pettersson felt as if someone had turned back the clock when he arrived at West Virginia's historic Greenbrier resort.
"You hope for the best, and it just didn't happen," said Slugger White, the tour's vice president of rules and competition, when he delivered the grim news to players who have spent more time waiting than actually playing at Kapalua this week.
White said the flag on the 11th green was at a 45-degree angle.