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	<title>Comments on: How insurance plays a part in the Stephen Strasburg shutdown decision</title>
	<atom:link href="http://hardballtalk.nbcsports.com/2012/09/05/how-insurance-plays-a-part-in-the-stephen-strasburg-shutdown-decision/feed/" rel="self" type="application/rss+xml" />
	<link>http://hardballtalk.nbcsports.com/2012/09/05/how-insurance-plays-a-part-in-the-stephen-strasburg-shutdown-decision/</link>
	<description>Baseball. Baseball. And then a bit more baseball.</description>
	<lastBuildDate>Wed, 22 May 2013 07:05:51 +0000</lastBuildDate>
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		<title>By: unlost1</title>
		<link>http://hardballtalk.nbcsports.com/2012/09/05/how-insurance-plays-a-part-in-the-stephen-strasburg-shutdown-decision/comment-page-1/#comment-359875</link>
		<dc:creator><![CDATA[unlost1]]></dc:creator>
		<pubDate>Thu, 06 Sep 2012 15:59:22 +0000</pubDate>
		<guid isPermaLink="false">http://hardballtalk.nbcsports.com/?p=207637#comment-359875</guid>
		<description><![CDATA[Bowie over Jordan was unforseen in a draft situation
Gretzky was a financial decision &amp; anyway he won all his Stanley cups with the Oilers
Ruth was stupid but i don&#039;t consider that modern history]]></description>
		<content:encoded><![CDATA[<p>Bowie over Jordan was unforseen in a draft situation<br />
Gretzky was a financial decision &amp; anyway he won all his Stanley cups with the Oilers<br />
Ruth was stupid but i don&#8217;t consider that modern history</p>
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		<title>By: natstowngreg</title>
		<link>http://hardballtalk.nbcsports.com/2012/09/05/how-insurance-plays-a-part-in-the-stephen-strasburg-shutdown-decision/comment-page-1/#comment-359523</link>
		<dc:creator><![CDATA[natstowngreg]]></dc:creator>
		<pubDate>Wed, 05 Sep 2012 21:35:11 +0000</pubDate>
		<guid isPermaLink="false">http://hardballtalk.nbcsports.com/?p=207637#comment-359523</guid>
		<description><![CDATA[Agreed. Rizzo made it clear late last season that Strasburg would be limited in 2012, as Jordan Zimmermann was limited in 2011. It&#039;s unlikely that Boras even got as far as threatening to sue.]]></description>
		<content:encoded><![CDATA[<p>Agreed. Rizzo made it clear late last season that Strasburg would be limited in 2012, as Jordan Zimmermann was limited in 2011. It&#8217;s unlikely that Boras even got as far as threatening to sue.</p>
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		<title>By: bigleagues</title>
		<link>http://hardballtalk.nbcsports.com/2012/09/05/how-insurance-plays-a-part-in-the-stephen-strasburg-shutdown-decision/comment-page-1/#comment-359431</link>
		<dc:creator><![CDATA[bigleagues]]></dc:creator>
		<pubDate>Wed, 05 Sep 2012 19:53:25 +0000</pubDate>
		<guid isPermaLink="false">http://hardballtalk.nbcsports.com/?p=207637#comment-359431</guid>
		<description><![CDATA[Insurance companies passively convince people to do a whole lot of things.

Some good and for the right reasons and some completely misguided and self-serving.

For example, and I realize Connecticut is not alone on this, but because of high property taxes, service taxes, and general cost of ownership of real estate, landlords as a rule do one of the following three things: ban pets outright, restrict certain breeds of dogs, or allow smaller breeds of dogs and cats only. 

And the reason? It&#039;s not so much the potential for damage (which can be mitigated through additional pet deposit, damage deposits, etc . . .) it&#039;s cheaper insurance premiums - especially when they are willing to impose and enforce breed restrictions. Never mind that there is no evidence whatsoever that breed restrictions reduce the potential for bite incidents.]]></description>
		<content:encoded><![CDATA[<p>Insurance companies passively convince people to do a whole lot of things.</p>
<p>Some good and for the right reasons and some completely misguided and self-serving.</p>
<p>For example, and I realize Connecticut is not alone on this, but because of high property taxes, service taxes, and general cost of ownership of real estate, landlords as a rule do one of the following three things: ban pets outright, restrict certain breeds of dogs, or allow smaller breeds of dogs and cats only. </p>
<p>And the reason? It&#8217;s not so much the potential for damage (which can be mitigated through additional pet deposit, damage deposits, etc . . .) it&#8217;s cheaper insurance premiums &#8211; especially when they are willing to impose and enforce breed restrictions. Never mind that there is no evidence whatsoever that breed restrictions reduce the potential for bite incidents.</p>
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		<title>By: heyblueyoustink</title>
		<link>http://hardballtalk.nbcsports.com/2012/09/05/how-insurance-plays-a-part-in-the-stephen-strasburg-shutdown-decision/comment-page-1/#comment-359427</link>
		<dc:creator><![CDATA[heyblueyoustink]]></dc:creator>
		<pubDate>Wed, 05 Sep 2012 19:45:06 +0000</pubDate>
		<guid isPermaLink="false">http://hardballtalk.nbcsports.com/?p=207637#comment-359427</guid>
		<description><![CDATA[Does a good clamping from the jaws of an Australian Bearded Dragon count?]]></description>
		<content:encoded><![CDATA[<p>Does a good clamping from the jaws of an Australian Bearded Dragon count?</p>
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		<title>By: hollywood26</title>
		<link>http://hardballtalk.nbcsports.com/2012/09/05/how-insurance-plays-a-part-in-the-stephen-strasburg-shutdown-decision/comment-page-1/#comment-359424</link>
		<dc:creator><![CDATA[hollywood26]]></dc:creator>
		<pubDate>Wed, 05 Sep 2012 19:40:03 +0000</pubDate>
		<guid isPermaLink="false">http://hardballtalk.nbcsports.com/?p=207637#comment-359424</guid>
		<description><![CDATA[I don&#039;t get the confusion. The guy who actually did the surgery said SHUT HIM DOWN.   That&#039;s the end of the argument.  Doctors don&#039;t walk by other doctors&#039; offices and make rehab comments without reading all the charts so why are &quot;baseball minds&quot; attempting to do the same thing?]]></description>
		<content:encoded><![CDATA[<p>I don&#8217;t get the confusion. The guy who actually did the surgery said SHUT HIM DOWN.   That&#8217;s the end of the argument.  Doctors don&#8217;t walk by other doctors&#8217; offices and make rehab comments without reading all the charts so why are &#8220;baseball minds&#8221; attempting to do the same thing?</p>
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		<title>By: lapsncaps</title>
		<link>http://hardballtalk.nbcsports.com/2012/09/05/how-insurance-plays-a-part-in-the-stephen-strasburg-shutdown-decision/comment-page-1/#comment-359413</link>
		<dc:creator><![CDATA[lapsncaps]]></dc:creator>
		<pubDate>Wed, 05 Sep 2012 19:20:58 +0000</pubDate>
		<guid isPermaLink="false">http://hardballtalk.nbcsports.com/?p=207637#comment-359413</guid>
		<description><![CDATA[Not only is he not the best player in baseball, I live in DC and not a Nats fan (O&#039;s), and from what i have seen, he is not even the best pitcher on the team.  I would say Zimmermann is having a better year.  They will be just fine in the playoffs without him.  Gio, Zimmer, and Detwiler hover around a 3 era, and jax is at 3.6...you see a 4 man rotation in the playoffs and they will be just fine.]]></description>
		<content:encoded><![CDATA[<p>Not only is he not the best player in baseball, I live in DC and not a Nats fan (O&#8217;s), and from what i have seen, he is not even the best pitcher on the team.  I would say Zimmermann is having a better year.  They will be just fine in the playoffs without him.  Gio, Zimmer, and Detwiler hover around a 3 era, and jax is at 3.6&#8230;you see a 4 man rotation in the playoffs and they will be just fine.</p>
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		<title>By: churchoftheperpetuallyoutraged</title>
		<link>http://hardballtalk.nbcsports.com/2012/09/05/how-insurance-plays-a-part-in-the-stephen-strasburg-shutdown-decision/comment-page-1/#comment-359409</link>
		<dc:creator><![CDATA[churchoftheperpetuallyoutraged]]></dc:creator>
		<pubDate>Wed, 05 Sep 2012 19:11:27 +0000</pubDate>
		<guid isPermaLink="false">http://hardballtalk.nbcsports.com/?p=207637#comment-359409</guid>
		<description><![CDATA[Really, the worst ever?  worse than Bowie over Jordan? Or the oilers getting rid of Gretzky?  Or the Sox selling Ruth?]]></description>
		<content:encoded><![CDATA[<p>Really, the worst ever?  worse than Bowie over Jordan? Or the oilers getting rid of Gretzky?  Or the Sox selling Ruth?</p>
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		<title>By: Old Gator</title>
		<link>http://hardballtalk.nbcsports.com/2012/09/05/how-insurance-plays-a-part-in-the-stephen-strasburg-shutdown-decision/comment-page-1/#comment-359406</link>
		<dc:creator><![CDATA[Old Gator]]></dc:creator>
		<pubDate>Wed, 05 Sep 2012 19:09:02 +0000</pubDate>
		<guid isPermaLink="false">http://hardballtalk.nbcsports.com/?p=207637#comment-359406</guid>
		<description><![CDATA[And this from a guy who, I betcha, never stuck his hand into a high hat fixture on the porch to change a light bulb, heard the dreaded chirp &lt;i&gt;toke!&lt;/i&gt;,  and had a gecko clamp down on one of his fingers.

Evil bastards indeed.]]></description>
		<content:encoded><![CDATA[<p>And this from a guy who, I betcha, never stuck his hand into a high hat fixture on the porch to change a light bulb, heard the dreaded chirp <i>toke!</i>,  and had a gecko clamp down on one of his fingers.</p>
<p>Evil bastards indeed.</p>
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		<title>By: stlouis1baseball</title>
		<link>http://hardballtalk.nbcsports.com/2012/09/05/how-insurance-plays-a-part-in-the-stephen-strasburg-shutdown-decision/comment-page-1/#comment-359402</link>
		<dc:creator><![CDATA[stlouis1baseball]]></dc:creator>
		<pubDate>Wed, 05 Sep 2012 19:04:35 +0000</pubDate>
		<guid isPermaLink="false">http://hardballtalk.nbcsports.com/?p=207637#comment-359402</guid>
		<description><![CDATA[No Cur.  It&#039;s Dusty&#039;s fault.  Can I get a...&quot;dang you Dusty.  Dang you to heck?&quot;]]></description>
		<content:encoded><![CDATA[<p>No Cur.  It&#8217;s Dusty&#8217;s fault.  Can I get a&#8230;&#8221;dang you Dusty.  Dang you to heck?&#8221;</p>
]]></content:encoded>
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		<title>By: nightman13</title>
		<link>http://hardballtalk.nbcsports.com/2012/09/05/how-insurance-plays-a-part-in-the-stephen-strasburg-shutdown-decision/comment-page-1/#comment-359401</link>
		<dc:creator><![CDATA[nightman13]]></dc:creator>
		<pubDate>Wed, 05 Sep 2012 19:04:17 +0000</pubDate>
		<guid isPermaLink="false">http://hardballtalk.nbcsports.com/?p=207637#comment-359401</guid>
		<description><![CDATA[Strasburg is the best player in baseball?  Man, there must have been a bunch of retirements I missed today.]]></description>
		<content:encoded><![CDATA[<p>Strasburg is the best player in baseball?  Man, there must have been a bunch of retirements I missed today.</p>
]]></content:encoded>
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		<title>By: unlost1</title>
		<link>http://hardballtalk.nbcsports.com/2012/09/05/how-insurance-plays-a-part-in-the-stephen-strasburg-shutdown-decision/comment-page-1/#comment-359394</link>
		<dc:creator><![CDATA[unlost1]]></dc:creator>
		<pubDate>Wed, 05 Sep 2012 18:53:20 +0000</pubDate>
		<guid isPermaLink="false">http://hardballtalk.nbcsports.com/?p=207637#comment-359394</guid>
		<description><![CDATA[Absolutely the worst sports decision in modern history. You&#039;re gonna save him for next year when they won&#039;t be in the playoffs? His teammates will go their whole career without a chance at the world series. They should have rested him the last month so he could come back for the playoffs. If anyone thumbs this down you should be banned. Should we play the best player in baseball? Bro, that&#039;s a clown question!]]></description>
		<content:encoded><![CDATA[<p>Absolutely the worst sports decision in modern history. You&#8217;re gonna save him for next year when they won&#8217;t be in the playoffs? His teammates will go their whole career without a chance at the world series. They should have rested him the last month so he could come back for the playoffs. If anyone thumbs this down you should be banned. Should we play the best player in baseball? Bro, that&#8217;s a clown question!</p>
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		<title>By: The Rabbit</title>
		<link>http://hardballtalk.nbcsports.com/2012/09/05/how-insurance-plays-a-part-in-the-stephen-strasburg-shutdown-decision/comment-page-1/#comment-359380</link>
		<dc:creator><![CDATA[The Rabbit]]></dc:creator>
		<pubDate>Wed, 05 Sep 2012 18:25:04 +0000</pubDate>
		<guid isPermaLink="false">http://hardballtalk.nbcsports.com/?p=207637#comment-359380</guid>
		<description><![CDATA[As someone who has worked in an actuarial department and done statistical analysis, I can say with some certainty that when there isn&#039;t enough data, the companies will err on the side of caution to protect their profits.  They aren&#039;t beneath requiring wholesale changes in behaviors if it doesn&#039;t cost &lt;em&gt;them&lt;/em&gt; anything if it will save them one claim...or using the spin, &quot;protect one person&quot;.  In fairness, some of that has been driven by ambulance chasing litigation.
Insurance companies and their lobbyists are responsible for much of the regulation in our everyday lives; therefore, your thoughts are probably on target.

Note: I admit I&#039;m old and don&#039;t understand the segment of society who wants us protected from every possible misfortune and those who look at an injury as a potential lottery hit.]]></description>
		<content:encoded><![CDATA[<p>As someone who has worked in an actuarial department and done statistical analysis, I can say with some certainty that when there isn&#8217;t enough data, the companies will err on the side of caution to protect their profits.  They aren&#8217;t beneath requiring wholesale changes in behaviors if it doesn&#8217;t cost <em>them</em> anything if it will save them one claim&#8230;or using the spin, &#8220;protect one person&#8221;.  In fairness, some of that has been driven by ambulance chasing litigation.<br />
Insurance companies and their lobbyists are responsible for much of the regulation in our everyday lives; therefore, your thoughts are probably on target.</p>
<p>Note: I admit I&#8217;m old and don&#8217;t understand the segment of society who wants us protected from every possible misfortune and those who look at an injury as a potential lottery hit.</p>
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		<title>By: 18thstreet</title>
		<link>http://hardballtalk.nbcsports.com/2012/09/05/how-insurance-plays-a-part-in-the-stephen-strasburg-shutdown-decision/comment-page-1/#comment-359376</link>
		<dc:creator><![CDATA[18thstreet]]></dc:creator>
		<pubDate>Wed, 05 Sep 2012 18:10:57 +0000</pubDate>
		<guid isPermaLink="false">http://hardballtalk.nbcsports.com/?p=207637#comment-359376</guid>
		<description><![CDATA[Thumbs up for the first paragraph. I&#039;m not sure I blame Boras, though.]]></description>
		<content:encoded><![CDATA[<p>Thumbs up for the first paragraph. I&#8217;m not sure I blame Boras, though.</p>
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		<title>By: cur68</title>
		<link>http://hardballtalk.nbcsports.com/2012/09/05/how-insurance-plays-a-part-in-the-stephen-strasburg-shutdown-decision/comment-page-1/#comment-359374</link>
		<dc:creator><![CDATA[cur68]]></dc:creator>
		<pubDate>Wed, 05 Sep 2012 18:07:07 +0000</pubDate>
		<guid isPermaLink="false">http://hardballtalk.nbcsports.com/?p=207637#comment-359374</guid>
		<description><![CDATA[So its Werth&#039;s fault? I knew it. That meddling Neanderthal!]]></description>
		<content:encoded><![CDATA[<p>So its Werth&#8217;s fault? I knew it. That meddling Neanderthal!</p>
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		<title>By: Ben</title>
		<link>http://hardballtalk.nbcsports.com/2012/09/05/how-insurance-plays-a-part-in-the-stephen-strasburg-shutdown-decision/comment-page-1/#comment-359369</link>
		<dc:creator><![CDATA[Ben]]></dc:creator>
		<pubDate>Wed, 05 Sep 2012 18:02:53 +0000</pubDate>
		<guid isPermaLink="false">http://hardballtalk.nbcsports.com/?p=207637#comment-359369</guid>
		<description><![CDATA[10 million is next to nothing in baseball terms, and I doubt the insurance company gives a crap either, they just repackage the risk for someone else.]]></description>
		<content:encoded><![CDATA[<p>10 million is next to nothing in baseball terms, and I doubt the insurance company gives a crap either, they just repackage the risk for someone else.</p>
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		<title>By: hansob</title>
		<link>http://hardballtalk.nbcsports.com/2012/09/05/how-insurance-plays-a-part-in-the-stephen-strasburg-shutdown-decision/comment-page-1/#comment-359365</link>
		<dc:creator><![CDATA[hansob]]></dc:creator>
		<pubDate>Wed, 05 Sep 2012 17:57:47 +0000</pubDate>
		<guid isPermaLink="false">http://hardballtalk.nbcsports.com/?p=207637#comment-359365</guid>
		<description><![CDATA[We&#039;re acting like if the Nats pitch him, they win, and if they don&#039;t, they lose.  When actually, they maybe go from 60/40 favorites to win a 5-game series to 55/45 favorites without him.

***please note all numbers are made up, and people can and do lose money***]]></description>
		<content:encoded><![CDATA[<p>We&#8217;re acting like if the Nats pitch him, they win, and if they don&#8217;t, they lose.  When actually, they maybe go from 60/40 favorites to win a 5-game series to 55/45 favorites without him.</p>
<p>***please note all numbers are made up, and people can and do lose money***</p>
]]></content:encoded>
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	<item>
		<title>By: heyblueyoustink</title>
		<link>http://hardballtalk.nbcsports.com/2012/09/05/how-insurance-plays-a-part-in-the-stephen-strasburg-shutdown-decision/comment-page-1/#comment-359360</link>
		<dc:creator><![CDATA[heyblueyoustink]]></dc:creator>
		<pubDate>Wed, 05 Sep 2012 17:48:47 +0000</pubDate>
		<guid isPermaLink="false">http://hardballtalk.nbcsports.com/?p=207637#comment-359360</guid>
		<description><![CDATA[Once again, the evil gecko looms large over us all.]]></description>
		<content:encoded><![CDATA[<p>Once again, the evil gecko looms large over us all.</p>
]]></content:encoded>
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		<title>By: manute</title>
		<link>http://hardballtalk.nbcsports.com/2012/09/05/how-insurance-plays-a-part-in-the-stephen-strasburg-shutdown-decision/comment-page-1/#comment-359359</link>
		<dc:creator><![CDATA[manute]]></dc:creator>
		<pubDate>Wed, 05 Sep 2012 17:44:58 +0000</pubDate>
		<guid isPermaLink="false">http://hardballtalk.nbcsports.com/?p=207637#comment-359359</guid>
		<description><![CDATA[The money left on his contract is not their primary concern, not even close.  It&#039;s weird to suggest that this decision is driven by a desire not to risk ~$10M.  That&#039;s nothing compared to the boost in revenues a long playoff run would generate and just a drop in the bucket when you look at the organization as a whole.

Honestly, they&#039;re probably doing it because they think it&#039;s the best thing for him long-term.  But have we forgotten that Boras - after he claimed to have built the team - basically threatened to sue them if they didn&#039;t shut him down?  The fear of Boras is a much bigger factor than insurance]]></description>
		<content:encoded><![CDATA[<p>The money left on his contract is not their primary concern, not even close.  It&#8217;s weird to suggest that this decision is driven by a desire not to risk ~$10M.  That&#8217;s nothing compared to the boost in revenues a long playoff run would generate and just a drop in the bucket when you look at the organization as a whole.</p>
<p>Honestly, they&#8217;re probably doing it because they think it&#8217;s the best thing for him long-term.  But have we forgotten that Boras &#8211; after he claimed to have built the team &#8211; basically threatened to sue them if they didn&#8217;t shut him down?  The fear of Boras is a much bigger factor than insurance</p>
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