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In the wake of paralyzing injury to a Rutgers student, and mounting evidence of permanent brain damage in many others, it's time for new approach to sports injuries: all-fault insurance.

If you were a spectator in a sky box seat looking directly down on the Washington debt debate, you'd be seeing a contest both narrow and off to one edge of the field -- like watching a football game being played entirely between the 10-yard line and the goal line.