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155-597: Daniel John Devine (December 23, 1924 – May 9, 2002) was an American football player and coach. He served as the head football coach at Arizona State University from 1955 to 1957, the University of Missouri from 1958 to 1970, and the University of Notre Dame from 1975 to 1980, compiling a career college football mark of 173–56–9. Devine was also the head coach of the National Football League (NFL)'s Green Bay Packers from 1971 to 1974, tallying

310-414: A cash value up to its date of maturation. The owner can access the money in the cash value by withdrawing money, borrowing the cash value, or surrendering the policy and receiving the surrender value. The three basic types of permanent insurance are whole life , universal life , and endowment . Whole life insurance provides lifetime coverage for a set premium amount. Universal life insurance (ULl)

465-422: A gridiron in appearance. Other major rule changes included a reduction of the field size to 110 by 53 + 1 ⁄ 3 yards (100.6 m × 48.8 m) and the adoption of a scoring system that awarded four points for a touchdown, two for a safety and a goal following a touchdown , and five for a goal from the field . Additionally, tackling below the waist was legalized, and a static line of scrimmage

620-403: A halftime period, and the first and third quarters are followed by a short break. Before the game starts, the referee and each team's captain meet at midfield for a coin toss . The visiting team can call either "heads" or "tails"; the winner of the toss chooses whether to receive or kick off the ball or which goal they wish to defend. They can defer their choice until the second half. Unless

775-479: A $ 100,000 policy in the competitive US life insurance market. Most of the revenue received by insurance companies consists of premiums, but revenue from investing the premiums forms an important source of profit for most life insurance companies. Group insurance policies are an exception to this. In the United States, life insurance companies are never legally required to provide coverage to everyone, with

930-401: A 10-yard-long chain between them, are used to measure for a first down. The chain crew stays on the sidelines during the game, but if requested by the officials they will briefly bring the chains on to the field to measure. A typical chain crew will have at least three people—two members of the chain crew will hold either of the two sticks, while a third will hold the down marker. The down marker,

1085-525: A PAT attempt or successful field goal, the scoring team must kick the ball off to the other team. A safety is scored when the ball carrier is tackled in the carrier's own end zone. Safeties are worth two points, which are awarded to the defense. In addition, the team that conceded the safety must kick the ball to the scoring team via a free kick . Football games are played on a rectangular field that measures 120 yards (110 m) long and 53 + 1 ⁄ 3 yards (48.8 m) wide. Lines marked along

1240-593: A Packer, winning just seven games while throwing 29 interceptions during that span. Meanwhile, the Rams used the picks acquired in the trade to draft players who would help them dominate the NFC West in the 1970s. To this day, many Packer fans have never forgiven Devine for the trade, which is widely reckoned as the worst trade for a starting quarterback in NFL history. Devine's wife was diagnosed with multiple sclerosis during

1395-425: A baseline for the cost of insurance, but the health and family history of the individual applicant is also taken into account (except in the case of Group policies). This investigation and resulting evaluation is termed underwriting . Health and lifestyle questions are asked, with certain responses possibly meriting further investigation. Specific factors that may be considered by underwriters include: Based on

1550-459: A certain age limit. Some policies also pay out in the case of critical illness. Policies are typically traditional with-profits or unit-linked (including those with unitized with-profits funds). Endowments can be cashed in early (or surrendered) and the holder then receives the surrender value which is determined by the insurance company depending on how long the policy has been running and how much has been paid into it. Accidental death insurance

1705-487: A college all-star game from a Kansas booster and was thus voted ineligible by the Conference. The Big 8 chose not to vote on the issue mid-season, though it was known prior to the game. Missouri claims the 1960 game as a win by forfeit—thus making 1960 the only undefeated and untied season in school history. While never again reaching that level, Missouri maintained its strength throughout the 1960s, with Devine taking on

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1860-479: A common draft that would take place each year, and it instituted an annual World Championship game to be played between the champions of each league. This championship game began play at the end of the 1966 season. Once the merger was completed, it was no longer a championship game between two leagues and reverted to the NFL championship game, which came to be known as the Super Bowl . College football maintained

2015-598: A feat the Professional Football Researchers Association compared to "selling refrigerators to Eskimos ". Princeton, Harvard, Yale, and Columbia then agreed to intercollegiate play using a form of rugby union rules with a modified scoring system. These schools formed the Intercollegiate Football Association , although Yale did not join until 1879. Yale player Walter Camp , now regarded as

2170-453: A field goal instead. A group of officials, the chain crew, keeps track of both the downs and the distance measurements. On television, a yellow line is electronically superimposed on the field to show the first down line to the viewing audience. There are two categories of kicks in football: scrimmage kicks, which can be executed by the offensive team on any down from behind or on the line of scrimmage, and free kicks. The free kicks are

2325-690: A fundraiser for Arizona State's Sun Devil Foundation. In 1985, he was elected to the College Football Hall of Fame , later returning to his old school at Missouri in 1992 as athletic director to help navigate the school through financial troubles. Devine was inducted into the inaugural class of the University of Minnesota Duluth Athletic Hall of Fame in 1991. In 2000, Devine's wife died. His own health began to deteriorate in February 2001, when after undergoing heart surgery , Devine suffered

2480-428: A game between Yale and Princeton, both teams used this strategy to maintain their undefeated records. Each team held the ball, gaining no ground, for an entire half, resulting in a 0–0 tie. This "block game" proved extremely unpopular with both teams' spectators and fans. A rule change was necessary to prevent this strategy from taking hold, and a reversion to the scrum was considered. However, Camp successfully proposed

2635-598: A game for the Allegheny Athletic Association against the Pittsburgh Athletic Club . This is the first recorded instance of a player being paid to participate in a game of American football , although many athletic clubs in the 1880s offered indirect benefits, such as helping players attain employment, giving out trophies or watches that players could pawn for money, or paying double in expense money. Despite these extra benefits,

2790-533: A game-winning field goal attempt. Notre Dame linebacker Bob Crable ran onto the backs of offensive lineman Tim Foley and defensive end Scott Zettek and was able to block the kick, preserving a 12–10 Irish victory. A new rule was implemented the following season that prohibited this tactic. On August 15, 1980, Devine announced that he would be leaving Notre Dame at the end of the 1980 season, saying that he wanted to spend more time with his wife. Notre Dame named Gerry Faust as Devine's successor on November 24, 1980. At

2945-533: A large stick with a dial on it, is flipped after each play to indicate the current down and is typically moved to the approximate spot of the ball. The chain crew system has been used for over 100 years and is considered an accurate measure of distance, rarely subject to criticism from either side. Football is a full-contact sport, and injuries are relatively common. Most injuries occur during training sessions, particularly ones that involve contact between players. To try to prevent injuries, players are required to wear

3100-564: A league-suggested numbering scheme. Although the sport is played almost exclusively by men, women are eligible to play in high school, college, and professional football. No woman has ever played in the NFL, but women have played in high school and college football games. In 2018, 1,100 of the 225,000 players in Pop Warner Little Scholars youth football were girls, and around 11% of the 5.5 million Americans who report playing tackle football are female according to

3255-500: A legend, he came under heavy scrutiny while at Notre Dame, and it was felt that Devine was never fully embraced by the Notre Dame community, despite winning a national championship. After a 5–2 start in his first season, rumors of incompetence were circulated and that Devine would be dismissed and replaced by Don Shula or even Ara Parseghian (who went so far as to say he would not return to coaching under any circumstances). Even on

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3410-463: A life insurance company would have to collect approximately $ 50 a year from each participant to cover the relatively few expected claims. (0.35 to 0.66 expected deaths in each year × $ 100,000 payout per death = $ 35 per policy.) Other costs, such as administrative and sales expenses, also need to be considered when setting the premiums. A 10-year policy for a 25-year-old non-smoking male with preferred medical history may get offers as low as $ 90 per year for

3565-405: A loan secured by real property and usually features a level premium amount for a declining policy face value because what is insured is the principal and interest outstanding on a mortgage that is constantly being reduced by mortgage payments. The face amount of the policy is always the amount of the principal and interest outstanding that are paid should the applicant die before the final installment

3720-408: A long circumference of 28 to 28 + 1 ⁄ 2 inches (71 to 72 cm), and a short circumference of 21 to 21 + 1 ⁄ 4 inches (53 to 54 cm). In college and high school play the ball has a long axis of 10 + 7 ⁄ 8 to 11 + 7 ⁄ 16 inches (27.6 to 29.1 cm), a long circumference of 27 + 3 ⁄ 4 to 28 + 1 ⁄ 2 inches (70 to 72 cm), and

3875-614: A mark of 25–27–4. His 1977 Notre Dame team won a national championship after beating Texas in the Cotton Bowl . Devine was inducted into the College Football Hall of Fame as a coach in 1985. Born in Augusta, Wisconsin , on December 23, 1924, Devine later went to live with an aunt and uncle in Proctor, Minnesota . At Proctor High School , Devine started at quarterback as a freshman and later became known as "The Proctor Flash",

4030-474: A memorable trade in which Green Bay exchanged two first-round picks, two second-round picks, and a third-round pick for 34-year-old quarterback John Hadl from the Los Angeles Rams . The Packers were 3–3 at the time with lackluster play from quarterback Jerry Tagge , and Devine apparently believed an experienced quarterback was the last piece of the puzzle. However, Hadl would play only two years as

4185-420: A minimum of 10 feet (3.0 m) on high school fields. Goal posts are padded at the base, and orange ribbons are normally placed at the tip of each upright as indicators of wind strength and direction. The football itself is a prolate spheroid leather ball, similar to the balls used in rugby or Australian rules football . To contain the compressed air within it, a pig's bladder was commonly used before

4340-511: A name given to him by his friend Lute Olson . Devine also competed in three other sports during his four years at the school, and graduated in 1942. Devine then enrolled at the Duluth State Teachers College (now the University of Minnesota Duluth ), and was team captain of both the basketball and football teams, playing as a 170 lb (77 kg) quarterback. His time at the school was interrupted after enlisting in

4495-704: A national champion of college football. The first was the Bowl Coalition , in place from 1992 to 1994. This was replaced in 1995 by the Bowl Alliance , which gave way to the Bowl Championship Series (BCS) in 1997. The BCS arrangement proved to be controversial , and was replaced in 2014 by the College Football Playoff (CFP). A football game is played between two teams of 11 players each. Playing with more on

4650-428: A pass hits the ground without a player having caught it. A forward pass can be legally attempted only if the passer is behind the line of scrimmage; only one forward pass can be attempted per down. As in rugby, players can also pass the ball backwards at any point during a play. In the NFL, a down also ends immediately if the runner's helmet comes off. The offense is given a series of four plays, known as downs . If

4805-405: A policy is the policy owner, while the insured is the person whose death will trigger payment of the death benefit. The owner and insured may or may not be the same person. For example, if Joe buys a policy on his own life, he is both the owner and the insured. But if Jane, his wife, buys a policy on Joe's life, she is the owner and he is the insured. The policy owner is the guarantor and they will be

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4960-441: A profit. The cost of insurance is determined using mortality tables calculated by actuaries . Mortality tables are statistically based tables showing expected annual mortality rates of people at different ages. As people are more likely to die as they get older, the mortality tables enable insurance companies to calculate the risk and increase premiums with age accordingly. Such estimates can be important in taxation regulation. In

5115-427: A quarter ends, play continues until the down is completed. If certain fouls are committed during play while time has expired, the quarter may be extended through an untimed down . Games last longer than their defined length due to play stoppages—the average NFL game lasts slightly over three hours. Time in a football game is measured by the game clock. An operator is responsible for starting, stopping and operating

5270-414: A round ball that could not be picked up or carried. It could, however, be kicked or batted with the feet, hands, head, or sides, with the objective being to advance it into the opponent's goal. Rutgers won the game 6–4. Collegiate play continued for several years with games played using the rules of the host school. Representatives of Yale, Columbia , Princeton and Rutgers met on October 19, 1873, to create

5425-422: A rule in 1882 that limited each team to three downs , or tackles, to advance the ball 5 yards (4.6 m). Failure to advance the ball the required distance within those three downs would result in control of the ball being forfeited to the other team. This change effectively made American football a separate sport from rugby, and the resulting five-yard lines added to the field to measure distances made it resemble

5580-503: A ruptured aorta . Fifteen months later, on May 9, 2002, he died at home at the age of 77. Devine was portrayed by actor Chelcie Ross in the film Rudy . In the film, Devine is portrayed in a somewhat unfavorable light, acting as a hindrance to Daniel Ruettiger 's dream of dressing for Notre Dame or appearing in a game. Devine was reported to be incensed with how he was portrayed in the film, noting that Devine had planned to allow Rudy to play all along. Devine also maintained that none of

5735-436: A secondary signal. Women can serve as officials; Sarah Thomas became the NFL's first female official in 2015. The seven officials (of a standard seven-man crew; lower levels of play up to the college level use fewer officials) on the field are each tasked with a different set of responsibilities: Another set of officials, the chain crew , are responsible for moving the chains. The chains, consisting of two large sticks with

5890-554: A set of equipment. At a minimum players must wear a football helmet and a set of shoulder pads , but individual leagues may require additional padding such as thigh pads and guards, knee pads, chest protectors, and mouthguards . Most injuries occur in the lower extremities, particularly in the knee, but a significant number also affect the upper extremities. The most common types of injuries are strains , sprains , bruises , fractures , dislocations , and concussions . Life insurance Life policies are legal contracts and

6045-410: A short circumference of 20 + 3 ⁄ 4 to 21 + 1 ⁄ 4 inches (53 to 54 cm). Football games last for a total of 60 minutes in professional and college play and are divided into two halves of 30 minutes and four quarters of 15 minutes. High school football games are 48 minutes in length with two halves of 24 minutes and four quarters of 12 minutes. The two halves are separated by

6200-644: A sideline collision in the season opener, a 42–40 loss to the New York Giants . After finishing 4–8–2 in 1971 , Devine headed a brief resurgence that "The Pack is Back" by dethroning the four-time division champion Minnesota Vikings in 1972 to reach the playoffs , the Packers' first post-season in five years. The Packers lost 16–3 in the first round to the Washington Redskins at RFK Stadium on Christmas Eve . The Packers did not reach

6355-792: A similar fund in 1769. Between 1787 and 1837 more than two dozen life insurance companies were started, but fewer than half a dozen survived. In the 1870s, military officers banded together to found both the Army ( AAFMAA ) and the Navy Mutual Aid Association (Navy Mutual), inspired by the plight of widows and orphans left stranded in the West after the Battle of the Little Big Horn , and of the families of U.S. sailors who died at sea. The person responsible for making payments for

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6510-456: A standard set of rules for use by all schools. Teams were set at 20 players each, and fields of 400 by 250 feet (122 m × 76 m) were specified. Harvard abstained from the conference, as they favored a rugby-style game that allowed running with the ball. After playing McGill University using both American (known as "the Boston game ") for the first game and Canadian (rugby) rules for

6665-449: A tradition of postseason bowl games . Each bowl game was associated with a particular conference and earning a spot in a bowl game was the reward for winning a conference. This arrangement was profitable, but it tended to prevent the two top-ranked teams from meeting in a true national championship game, as they would normally be committed to the bowl games of their respective conferences. Several systems have been used since 1992 to determine

6820-653: Is a relatively new insurance product, intended to combine permanent insurance coverage with greater flexibility in premium payments, along with the potential for greater growth of cash values. There are several types of universal life insurance policies, including interest-sensitive (also known as "traditional fixed universal life insurance"), variable universal life (VUL) , guaranteed death benefit , and has equity-indexed universal life insurance . Universal life insurance policies have cash values. Paid-in premiums increase their cash values; administrative and other costs reduce their cash values. Universal life insurance addresses

6975-565: Is a type of limited life insurance that is designed to cover the insured should they die as a result of an accident. "Accidents" run the gamut from abrasions to catastrophes but normally do not include deaths resulting from non-accident-related health problems or suicide. Because they only cover accidents, these policies are much less expensive than other life insurance policies. Such insurance can also be accidental death and dismemberment insurance or AD&D . In an AD&D policy, benefits are available not only for accidental death but also for

7130-784: Is any coverage that determines benefits based on actual losses whereas "assurance" is coverage with predetermined benefits irrespective of the losses incurred. Life insurance may be divided into two basic classes: temporary and permanent; or the following subclasses: term, universal, whole life , and endowment life insurance. Term assurance provides life insurance coverage for a specified term (usually 10–30 years). Term life insurance policies do not accumulate cash value, but are significantly less expensive than permanent life insurance policies with equivalent face amounts. Policyholders can save to provide for increased term premiums or decrease insurance needs (by paying off debts or saving to provide for survivor needs). Mortgage life insurance insures

7285-425: Is called on the offense. There are two main ways the offense can advance the ball: running and passing . In a typical play, the center passes the ball backwards and between their legs to the quarterback in a process known as the snap . The quarterback then either hands the ball off to a running back, throws the ball, or runs with it. The play ends when the player with the ball is tackled or goes out-of-bounds or

7440-437: Is caught or recovered behind the line of scrimmage. If it is touched or recovered by the kicking team beyond this line, it becomes dead at the spot where it was touched. The kicking team is prohibited from interfering with the receiver's opportunity to catch the ball. The receiving team has the option of signaling for a fair catch , which prohibits the defense from blocking into or tackling the receiver. The play ends as soon as

7595-403: Is known as a two-point conversion . In general, the extra point is almost always successful, while the two-point conversion is a much riskier play with a higher probability of failure; accordingly, extra point attempts are far more common than two-point conversion attempts. A field goal (FG), worth three points, is scored when the ball is place kicked or drop kicked through the uprights and over

7750-439: Is paid. Group life insurance (also known as wholesale life insurance or institutional life insurance ) is term insurance covering a group of people, usually employees of a company, members of a union or association, or members of a pension or superannuation fund. Individual proof of insurability is not normally a consideration in its underwriting. Rather, the underwriter considers the size, turnover, and financial strength of

7905-432: Is reserved only for the healthiest individuals in the general population. This may mean, that the proposed insured has no adverse medical history, is not under medication, and has no family history of early-onset cancer , diabetes , or other conditions. Preferred means that the proposed insured is currently under medication and has a family history of particular illnesses. Most people are in the standard category. People in

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8060-407: Is responsible for all kicking plays. The special teams unit of the team in control of the ball tries to execute field goal (FG) attempts, punts , and kickoffs , while the opposing team's unit will aim to block or return them. Three positions are specific to the field goal and PAT (point-after-touchdown) unit: the placekicker (K or PK), holder (H), and long snapper (LS). The long snapper's job

8215-421: Is to block members of the defensive line from tackling the ball carrier on running plays or sacking the quarterback on passing plays. The leader of the offensive line is the center, who is responsible for snapping the ball to the quarterback, blocking, and for making sure that the other linemen do their jobs during the play. On either side of the center are the guards (G), while tackles (T) line up outside

8370-437: Is to snap the football to the holder, who will catch and position it for the placekicker. There is not usually a holder on kickoffs, because the ball is kicked off a tee; however, a holder may be used in certain situations, such as if wind is preventing the ball from remaining upright on the tee. The player on the receiving team who catches the ball is known as the kickoff returner (KR). The positions specific to punt plays are

8525-410: Is typically determined at the time the policy is purchased, and it is based on factors such as the policyholder's age, health, and occupation. The death benefit is only payable if the policyholder dies while the policy is in effect. If the policyholder outlives the policy, the death benefit is not paid, and the policy will typically expire. Some policies may allow the policyholder to receive a portion of

8680-491: The asset-management industry, and life insurers have diversified their product offerings into retirement products such as annuities . Life-based contracts tend to fall into two major categories: An early form of life insurance dates to Ancient Rome ; "burial clubs" covered the cost of members' funeral expenses and assisted survivors financially. In 1816, an archeological excavation in Minya, Egypt (under an Eyalet of

8835-543: The 1958 NFL Championship game between the Baltimore Colts and the New York Giants , still referred to as the "Greatest Game Ever Played". The game, a 23–17 overtime victory by the Colts, was seen by millions of television viewers and had a major influence on the popularity of the sport. This, along with the innovations introduced by the new American Football League (AFL) in the early 1960s, helped football to become

8990-532: The 1979 Cotton Bowl Classic , the Irish trailed 34–12 with 7:27 remaining in the game. They rallied for 23 unanswered points behind ailing senior quarterback Joe Montana for a 35–34 victory over Houston . The game, played in an unseasonal storm of freezing sleet and rain, became part of college football folklore, referred to as the Chicken Soup Game . Because Devine had the unenviable task of following

9145-613: The Army Air Corps during World War II , where Devine became a B-29 flight officer . He graduated from college in 1948 with a bachelor's degree in history. Devine earned his first coaching job as head coach at East Jordan High School in Michigan , reaching his interview by a combination of bus travel and hitch-hiking. Following two undefeated seasons at the school, Devine accepted an assistant position at Michigan State University in 1950 under head coach Clarence Munn . For

9300-793: The Eastern Roman Empire . The earliest known life insurance policy was made in Royal Exchange, London on 18 June 1583. A Richard Martin insured a William Gybbons, paying thirteen merchants 30 pounds for 400 if the insured dies within one year. The first company to offer life insurance in modern times was the Amicable Society for a Perpetual Assurance Office , founded in London in 1706 by William Talbot and Sir Thomas Allen . Each member made an annual payment per share on one to three shares with consideration to age of

9455-711: The Mutual Benefit Life Insurance Company , submitted an article to the Journal of the Institute of Actuaries detailing an historical account of a Severan dynasty -era life table compiled by the Roman jurist Ulpian in approximately 220 AD during the reign of Elagabalus (218–222) that was included in the Digesta seu Pandectae (533) codification ordered by Justinian I (527–565) of

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9610-517: The NFL , succeeding Phil Bengtson . Devine acknowledged the pressure of the position but had the benefit of the doubt since he did not immediately follow legendary coach Vince Lombardi . Bengtson had endured three years of unrealistic expectations following Lombardi's brief retirement after Super Bowl II . Devine's career in Green Bay got off to a painful start when he suffered a broken leg following

9765-767: The Ottoman Empire ) produced a Nerva–Antonine dynasty -era tablet from the ruins of the Temple of Antinous in Antinoöpolis , Aegyptus that prescribed the rules and membership dues of a burial society collegium established in Lanuvium , Italia in approximately 133 AD during the reign of Hadrian (117–138) of the Roman Empire . In 1851, future U.S. Supreme Court Associate Justice Joseph P. Bradley (1870–1892), once employed as an actuary for

9920-486: The Sun Devils , Devine compiled a record of 27–3–1 (.887), including a spotless 10–0 mark during his final campaign. Devine's team led the nation in total offense and scoring in his final season, averaging just under 40 points per game in the latter category. Devine's success at Arizona State resulted in an offer from the University of Missouri , which he accepted on December 18, 1957. At first, Devine

10075-411: The kickoff , which starts the first and third quarters and overtime and follows a try attempt or a successful field goal; the safety kick follows a safety. On a kickoff, the ball is placed at the 35-yard line of the kicking team in professional and college play and at the 40-yard line in high school play. The ball may be drop kicked or place kicked. If a place kick is chosen, the ball can be placed on

10230-407: The punter (P), long snapper, upback , and gunner . The long snapper snaps the football directly to the punter, who then drops and kicks it before it hits the ground. Gunners line up split outside the line and race down the field, aiming to tackle the punt returner (PR)—the player who catches the punt. Upbacks line up a short distance behind the line of scrimmage, providing additional protection to

10385-471: The "Father of American Football", secured rule changes in 1880 that reduced the size of each team from 15 to 11 players and instituted the snap to replace the chaotic and inconsistent scrum . While the game between Rutgers and Princeton is commonly considered the first American football game, several years prior in 1862, the Oneida Football Club formed as the oldest known football club in

10540-520: The "Father of American Football", established the snap , the line of scrimmage , eleven-player teams, and the concept of downs. Later rule changes legalized the forward pass , created the neutral zone , and specified the size and shape of the football. The sport is closely related to Canadian football , which evolved in parallel with and at the same time as the American game, although its rules were developed independently from those of Camp. Most of

10695-504: The 1980s and 1990s, the SOA 1975-80 Basic Select & Ultimate tables were the typical reference points, while the 2001 VBT and 2001 CSO tables were published more recently. As well as the basic parameters of age and gender, the newer tables include separate mortality tables for smokers and non-smokers, and the CSO tables include separate tables for preferred classes. The mortality tables provide

10850-542: The AFL New York Jets signed rookie Joe Namath to a then-record $ 437,000 contract (equivalent to $ 4.23 million in 2023). A five-year, $ 40 million NBC television contract followed, which helped to sustain the young league. The bidding war for players ended in 1966 when NFL owners approached the AFL regarding a merger, and the two leagues agreed on one that took full effect in 1970. This agreement provided for

11005-496: The CQV for the proceeds), was found liable in court for contributing to the wrongful death of the victim ( Liberty National Life v. Weldon , 267 Ala.171 (1957)). Special exclusions may apply, such as suicide clauses, whereby the policy becomes null and void if the insured dies by suicide within a specified time (usually two years after the purchase date; some states provide a statutory one-year suicide clause). Any misrepresentations by

11160-675: The Directors tried to ensure that policyholders received a fair return on their investments. Premiums were regulated according to age, and anybody could be admitted regardless of their state of health and other circumstances. The sale of life insurance in the U.S. began in the 1760s. The Presbyterian Synods in Philadelphia and New York City created the Corporation for Relief of Poor and Distressed Widows and Children of Presbyterian Ministers in 1759; Episcopalian priests organized

11315-582: The FCS and 85 scholarship players in the FBS, respectively. Individual players in a football game must be designated with a uniform number between 1 and 99, though some teams may "retire" certain numbers , making them unavailable to players. NFL teams are required to number their players by a league-approved numbering system, and any exceptions must be approved by the commissioner . NCAA and NFHS teams are "strongly advised" to number their offensive players according to

11470-456: The Sports and Fitness Industry Association. The role of the offensive unit is to advance the football down the field with the ultimate goal of scoring a touchdown . The offensive team must line up in a legal formation before they can snap the ball. An offensive formation is considered illegal if there are more than four players in the backfield or fewer than five players numbered 50–79 on

11625-508: The Tigers (favored by a touchdown) instead were stunned in a 23–7 upset loss. After an Orange Bowl victory over Navy on January 1, 1961, Missouri finished the year ranked fifth in a season which saw upwards of four teams claim a share of the national title. Kansas was later forced to forfeit two games in a vote by Big 8 schools (3–5) because the Jayhawks' Bert Coan had received a ticket to

11780-469: The US population male mortality rates of 1.3 per 1,000 at age 25 and 19.3 at age 65 (without regard to health or smoking status). Upon the insured's death, the insurer requires acceptable proof of death before it pays the claim. If the insured's death is suspicious and the policy amount is large, the insurer may investigate the circumstances surrounding the death before deciding whether it has an obligation to pay

11935-586: The United Kingdom, Ireland, New Zealand, and Australia. American football evolved from the sports of rugby and soccer . Rugby, like American football, is a sport in which two competing teams vie for control of a ball, which can be kicked through a set of goalposts or run into the opponent's goal area to score points. What is considered to be the first American football game was played on November 6, 1869 , between Rutgers and Princeton , two college teams. They consisted of 25 players per team and used

12090-405: The United States and Canada and also known as gridiron football , is a team sport played by two teams of eleven players on a rectangular field with goalposts at each end. The offense , the team with possession of the oval-shaped football , attempts to advance down the field by running with the ball or throwing it , while the defense , the team without possession of the ball, aims to stop

12245-455: The United States. The team consisted of graduates of Boston's elite preparatory schools and played from 1862 to 1865. The introduction of the snap resulted in an unexpected consequence. Before the snap, the strategy had been to punt if a scrum resulted in bad field position. However, a group of Princeton players realized that, as the snap was uncontested, they could now hold the ball indefinitely to prevent their opponent from scoring. In 1881, in

12400-554: The United States: official time was kept on a scoreboard clock rather than on a watch in the referee's pocket, as the NFL did; optional two-point conversions by pass or run after touchdowns; names on the jerseys of players; and several others, including expansion of the role of minority players, actively recruited by the league in contrast to the NFL. The AFL also signed several star college players who had also been drafted by NFL teams. Competition for players heated up in 1965, when

12555-493: The above and additional factors, applicants will be placed into one of several classes of health ratings which will determine the premium paid in exchange for insurance at that particular carrier. Life insurance companies in the United States support the Medical Information Bureau (MIB), which is a clearing house of information on persons who have applied for life insurance with participating companies in

12710-421: The added duties of athletic director in 1967 after Faurot stepped down from that post. During his three years in the latter role, Devine made a key hire when he selected Norm Stewart to head the fortunes of the school's men's basketball squad. After finishing 9–1 in 1969, a season capped off with a massive 69–21 win over Kansas that saw Jayhawk coach Pepper Rodgers showing the peace sign to Devine late in

12865-460: The advent of artificial rubber inside the leather outer shell to sustain crushing forces . At all levels of play, the football is inflated to 12 + 1 ⁄ 2 to 13 + 1 ⁄ 2  psi (86 to 93 kPa), or just under one atmosphere, and weighs 14 to 15 ounces (400 to 430 g); beyond that, the exact dimensions vary slightly. In professional play the ball has a long axis of 11 to 11 + 1 ⁄ 4 inches (28 to 29 cm),

13020-439: The agreement of the original beneficiary. In cases where the policy owner is not the insured (also referred to as the celui qui vit or CQV), insurance companies have sought to limit policy purchases to those with an insurable interest in the CQV. For life insurance policies, close family members and business partners will usually be found to have an insurable interest. The insurable interest requirement usually demonstrates that

13175-435: The ball is caught, and the ball may not be advanced. Officials are responsible for enforcing game rules and monitoring the clock. All officials carry a whistle and wear black-and-white striped shirts and black hats except for the referee, whose hat is white. Each carries a weighted yellow flag that is thrown to the ground to signal that a foul has been called. An official who spots multiple fouls will throw their hat as

13330-478: The ball off, throws it, or runs with it. The primary role of the halfback, also known as the running back or tailback, is to carry the ball on running plays. Halfbacks may also serve as receivers. Fullbacks tend to be larger than halfbacks and function primarily as blockers, but they are sometimes used as runners in short-yardage or goal-line situations. They are seldom used as receivers. The offensive line (OL) consists of several players whose primary function

13485-467: The ball through the opponent's goalposts for a field goal . The team with the most points at the end of the game wins. American football evolved in the United States, originating from the sports of soccer and rugby . The first American football game was played on November 6, 1869 , between two college teams, Rutgers and Princeton , using rules based on the rules of soccer at the time. A set of rule changes drawn up from 1880 onward by Walter Camp ,

13640-528: The chief official—the earliest known reference to the position as a business concern. The first modern actuary was William Morgan , who served from 1775 to 1830. In 1776 the Society carried out the first actuarial valuation of liabilities and subsequently distributed the first reversionary bonus (1781) and interim bonus (1809) among its members. It also used regular valuations to balance competing interests. The Society sought to treat its members equitably and

13795-403: The claim. Payment from the policy may be as a lump sum or as an annuity , which is paid in regular installments for either a specified period or for the beneficiary's lifetime . Death benefits are the primary feature of life insurance policies, and they provide a lump sum payment to the beneficiaries of the policyholder in the event of the policyholder's death. The amount of the death benefit

13950-413: The crossbars of the defense's goalposts. In practice, almost all field goal attempts are done via place kick. While drop kicks were common in the early days of the sport, the shape of modern footballs makes it difficult to reliably drop kick the ball. The last successful scoring play by drop kick in the NFL was accomplished in 2006; prior to that, the last successful drop kick had been made in 1941. After

14105-589: The day of the 1977 USC game, "Dump Devine" bumper stickers were being sold outside Notre Dame Stadium. Devine also lost to his old program, a shocking 3–0 defeat to Missouri at South Bend in 1978. Devine was involved in a game while at Notre Dame whose ending resulted in a rule change still in effect today. On September 15, 1979, the Irish faced the Michigan Wolverines in Ann Arbor in their season opener. With six seconds remaining, Michigan lined up for

14260-399: The defense is to prevent the offense from scoring by tackling the ball carrier or by forcing turnovers . Turnovers include interceptions (a defender catching a forward pass intended for the offense) and forced fumbles (taking possession of the ball from the ball-carrier). The defensive line (DL) consists of defensive ends (DE) and defensive tackles (DT). Defensive ends line up on

14415-430: The defensive backfield. They are divided into two types: middle linebackers (MLB) and outside linebackers (OLB). Linebackers tend to serve as the defensive leaders and call the defensive plays, given their vantage point of the offensive backfield. Their roles include defending the run, pressuring the quarterback, and tackling backs, wide receivers, and tight ends in the passing game. The defensive backfield , often called

14570-504: The development of modern life insurance. James Dodson , a mathematician and actuary, tried to establish a new company aimed at correctly offsetting the risks of long-term life assurance policies, after being refused admission to the Amicable Life Assurance Society because of his advanced age. He was unsuccessful in his attempts at procuring a charter from the government . His disciple, Edward Rowe Mores ,

14725-472: The ends and sides of the field are known as the end lines and sidelines . Goal lines are marked 10 yards (9.1 m) inward from each end line. Weighted pylons are placed the sidelines on the inside corner of the intersections with the goal lines and end lines. White markings on the field identify the distance from the end zone. Inbound lines, or hash marks , are short parallel lines that mark off 1-yard (0.91 m) increments. Yard lines , which can run

14880-404: The ends of the line, while defensive tackles line up inside, between the defensive ends. The primary responsibilities of defensive ends and defensive tackles are to stop running plays on the outside and inside, respectively, to pressure the quarterback on passing plays, and to occupy the line so that the linebackers can break through. Linebackers line up behind the defensive line but in front of

15035-498: The exception of Civil Rights Act compliance requirements. Insurance companies alone determine insurability, and some people are deemed uninsurable. The policy can be declined or rated (increasing the premium amount to compensate for the higher risk), and the amount of the premium will be proportional to the face value of the policy. Many companies separate applicants into four general categories. These categories are preferred best , preferred , standard , and tobacco . Preferred best

15190-561: The features that distinguish American football from rugby and soccer are also present in Canadian football. The two sports are considered the primary variants of gridiron football . American football is the most popular sport in the United States in terms of broadcast viewership audience. The most popular forms of the game are professional and college football , with the other major levels being high-school and youth football. As of 2022 , nearly 1.04 million high-school athletes play

15345-468: The field is punishable by a penalty. Teams may substitute any number of their players between downs; this "platoon" system replaced the original system, which featured limited substitution rules, and has resulted in teams utilizing specialized offensive, defensive and special teams units. The number of players allowed on an active roster varies by league; the NFL has a 53-man roster, while NCAA Division I allows teams to have 63 scholarship players in

15500-454: The field was shortened to 100 yards (91 m) long, two 10-yard-long (9.1 m) end zones were created, and teams were given four downs instead of three to advance the ball 10 yards (9.1 m). The roughing the passer penalty was implemented in 1914, and eligible players were first allowed to catch the ball anywhere on the field in 1918. On November 12, 1892, Pudge Heffelfinger was paid $ 500 (equivalent to $ 16,956 in 2023) to play

15655-629: The formation of the Intercollegiate Athletic Association of the United States, later renamed the National Collegiate Athletic Association (NCAA). The legal forward pass was introduced in 1906, although its effect was initially minimal due to the restrictions placed on its use. The idea of a 40-yard-wider field was opposed by Harvard due to the size of the new Harvard Stadium . Other rule changes introduced that year included

15810-482: The game and Devine " return half of it ", Missouri faced Penn State in the 1970 Orange Bowl . The Nittany Lions entered the game with a 28-game winning streak and extended the string by intercepting seven Tiger passes in a 10–3 defensive battle. After suffering his first losing season in 1970, Devine left Missouri on January 14, 1971, to become the head coach and general manager of the Green Bay Packers of

15965-419: The game clock based on the direction of the appropriate official . A separate play clock is used to show the amount of time within which the offense must initiate a play. The play clock is set to 25 seconds after certain administrative stoppages in play and to 40 seconds when play is proceeding without such stoppages. If the offense fails to start a play before the play clock reads "00", a delay of game foul

16120-409: The game had a strict sense of amateurism at the time, and direct payment to players was frowned upon, if not prohibited outright. Over time, professional play became increasingly common, and with it came rising salaries and unpredictable player movement, as well as the illegal payment of college players who were still in school. The National Football League (NFL), a group of professional teams that

16275-443: The ground or a tee; a holder may be used in either case. On a safety kick, the kicking team kicks the ball from their own 20-yard line. They can punt, drop kick or place kick the ball, but a tee may not be used in professional play. Any member of the receiving team may catch or advance the ball. The ball may be recovered by the kicking team once it has gone at least ten yards and has touched the ground or has been touched by any member of

16430-427: The group. Contract provisions will attempt to exclude the possibility of adverse selection . Group life insurance often allows members exiting the group to maintain their coverage by buying individual coverage. The underwriting is carried out for the whole group instead of individuals. Permanent life insurance is life insurance that covers the remaining lifetime of the insured. A permanent insurance policy accumulates

16585-434: The guards. The principal receivers are the wide receivers (WR) and the tight ends (TE). Wide receivers line up on or near the line of scrimmage, split outside the line. The main goal of the wide receiver is to catch passes thrown by the quarterback, but they may also function as decoys or as blockers during running plays. Tight ends line up outside the tackles and function both as receivers and as blockers. The role of

16740-410: The insured on the application may also be grounds for nullification. Most US states, for example, specify a maximum contestability period, often no more than two years. Only if the insured dies within this period will the insurer have a legal right to contest the claim on the basis of misrepresentation and request additional information before deciding whether to pay or deny the claim. The face amount of

16895-487: The last seven years. As part of the application, the insurer often requires the applicant's permission to obtain information from their physicians. Automated Life Underwriting is a technology solution which is designed to perform all or some of the screening functions traditionally completed by underwriters, and thus seeks to reduce the work effort, time and data necessary to underwrite a life insurance application. These systems allow point of sale distribution and can shorten

17050-558: The loss of limbs or body functions such as sight and hearing. Accidental death and AD&D policies pay actual benefits only very rarely, either because the cause of death is not covered by the policy or because death occurs well after the accident, by which time the premiums have gone unpaid. Various AD&D policies have different terms and exclusions. Risky activities such as parachuting, flying, professional sports, or military service are often omitted from coverage. Accidental death insurance can also supplement standard life insurance as

17205-436: The members being twelve to fifty-five. At the end of the year a portion of the "amicable contribution" was divided among the wives and children of deceased members, in proportion to the number of shares the heirs owned. The Amicable Society started with 2000 members. The first life table was written by Edmund Halley in 1693, but it was only in the 1750s that the necessary mathematical and statistical tools were in place for

17360-494: The middle finger salute to the raucous home crowd. The championship season was completed with a convincing 38–10 win in the 1978 Cotton Bowl Classic over previously top-ranked Texas , led by Heisman Trophy winner Earl Campbell . The win vaulted the Irish from fifth to first in the polls. Earlier in the season, before the annual game against USC on October 22, Devine changed the team's home jerseys from navy blue & white to kelly green & gold, which would remain for

17515-506: The most popular sport in the United States by the mid-1960s. The rival AFL arose in 1960 and challenged the NFL's dominance. The AFL began in relative obscurity but eventually thrived, with an initial television contract with the ABC television network. The AFL's existence forced the conservative NFL to expand to Dallas and Minnesota in an attempt to destroy the new league. Meanwhile, the AFL introduced many new features to professional football in

17670-408: The next decade. In 1960, the Tigers began the year unranked, but after shutting out SMU 20–0, in the season opener, moved up to 16th and continued to head upward in the weekly rankings. Following that win with eight straight victories, Missouri became the top-ranked team in the country following a 41–19 victory over Oklahoma . Needing only a victory over Kansas to clinch a national championship,

17825-517: The next five seasons, Devine helped the Spartans achieve success, including winning a national championship in 1952 . On February 5, 1955, Devine accepted the head coaching position at Arizona State College, now Arizona State University , in Tempe, Arizona . Joining him as an assistant was Frank Kush , who would have even greater success at the school after Devine left. During his three years with

17980-429: The offense advances ten or more yards in the four downs, they are awarded a new set of four downs. If they fail to advance ten yards, possession of the football is turned over to the defense. In most situations, if the offense reaches their fourth down they will punt the ball to the other team, which forces them to begin their drive from farther down the field; if they are in field goal range , they might attempt to score

18135-410: The offense's advance and to take control of the ball for themselves. The offense must advance the ball at least ten yards in four downs or plays; if they fail, they turn over the football to the defense, but if they succeed, they are given a new set of four downs to continue the drive . Points are scored primarily by advancing the ball into the opposing team's end zone for a touchdown or kicking

18290-429: The offensive line. Players can line up temporarily in a position whose eligibility is different from what their number permits as long as they report the change immediately to the referee, who then informs the defensive team of the change. Neither team's players, except the center (C), are allowed to line up in or cross the neutral zone until the ball is snapped. Interior offensive linemen are not allowed to move until

18445-427: The past that he would shoot Devine's dog if it came near his home again. After a three-game losing streak knocked the Packers out of the playoffs, Devine resigned on December 16, 1974, to become the head coach at the University of Notre Dame . His departure was also controversial, as the Packers' board of directors were prepared to buy Devine out of his contract, but Devine told them that he was going to return to coach

18600-448: The perceived disadvantages of whole life—namely that premiums and death benefits are fixed. With universal life, both the premiums and death benefit are flexible. With the exception of guaranteed-death-benefit universal life policies, universal life policies trade their greater flexibility for fewer guarantees. "Flexible death benefit" means the policy owner can choose to decrease the death benefit. The death benefit can also be increased by

18755-504: The person to pay for the policy. The insured is a participant in the contract, but not necessarily a party to it. The beneficiary receives policy proceeds upon the insured person's death. The owner designates the beneficiary, but the beneficiary is not a party to the policy. The owner can change the beneficiary unless the policy has an irrevocable beneficiary designation. If a policy has an irrevocable beneficiary, any beneficiary changes, policy assignments, or cash value borrowing would require

18910-445: The plane of the two end lines. The crossbar of these posts is 10 feet (3.0 m) above the ground, with vertical uprights at the end of the crossbar 18 feet 6 inches (5.64 m) apart for professional and collegiate play, and 23 feet 4 inches (7.11 m) apart for high school play. The uprights extend vertically 35 feet (11 m) on professional fields, a minimum of 10 yards (9.1 m) on college fields, and

19065-628: The players laid down their jerseys on his desk as a form of protest and if anyone had, they would have been kicked off the squad. Devine was asked by movie producers to allow his dramatized character to "play the heavy," to provide dramatic plot opportunities. While Devine agreed, he later wrote that he did not believe Ross's portrayal would be as antagonistic as it turned out in the finished film. # denotes interim head coach # denotes interim athletic director # denotes interim head coach # denotes interim head coach American football American football , referred to simply as football in

19220-451: The point(s)-after-touchdown (PAT) or conversion, which is a single scoring opportunity. This is generally attempted from the two- or three-yard line, depending on the level of play. If the PAT is scored by a place kick or drop kick through the goal posts, it is worth one point, typically called the extra point. If the PAT is scored by what would normally be a touchdown, it is worth two points; this

19375-440: The policy is the initial amount that the policy will pay at the death of the insured or when the policy matures , although the actual death benefit can provide for greater or lesser than the face amount. The policy matures when the insured dies or reaches a specified age (such as 100 years old). The insurance company calculates the policy prices (premiums) at a level sufficient to fund claims, cover administrative costs, and provide

19530-420: The policy owner, usually requiring new underwriting. Another feature of flexible death benefit is the ability to choose option A or option B death benefits and to change those options over the course of the life of the insured. Option A is often referred to as a "level death benefit"; death benefits remain level for the life of the insured, and premiums are lower than policies with Option B death benefits, which pay

19685-458: The policy's cash value—i.e., a face amount plus earnings/interest. If the cash value grows over time, the death benefits do too. If the cash value declines, the death benefit also declines. Option B policies normally feature higher premiums than option A policies. The endowment policy is a life insurance contract designed to pay a lump sum after a specific term (on its 'maturity') or on death. Typical maturities are ten, fifteen, or twenty years up to

19840-463: The postseason for another decade, during the expanded 16-team playoffs of the strike-shortened 1982 season. Green Bay would not return to the playoffs in a non-strike year until 1993 and would not win another divisional title until 1995. Unable to recapture the success of 1972, Devine's final two seasons at Green Bay were disappointing (5–7–2 in 1973 and 6–8 in 1974 ). Midway through his last season as Packers head coach in 1974, Devine engineered

19995-541: The premiums paid if they outlive the policy. The specific uses of the terms "insurance" and "assurance" are sometimes confused. In general, in jurisdictions where both terms are used, "insurance" refers to providing coverage for an event that might happen (fire, theft, flood, etc.), while "assurance" is the provision of coverage for an event that is certain to happen. In the United States, both forms of coverage are called "insurance" for reasons of simplicity in companies selling both products. By some definitions, "insurance"

20150-422: The punter. In football, the winner is the team that has scored more points at the end of the game. There are multiple ways to score in a football game. The touchdown (TD), worth six points, is the most valuable scoring play in American football. A touchdown is scored when a live ball is advanced into, caught, or recovered in the opposing team's end zone. The scoring team then attempts a try, more commonly known as

20305-449: The purchaser will actually suffer some kind of loss if the CQV dies. Such a requirement prevents people from benefiting from the purchase of purely speculative policies on people they expect to die. With no insurable interest requirement, the risk that a purchaser would murder the CQV for insurance proceeds would be great. In at least one case, an insurance company that sold a policy to a purchaser with no insurable interest (who later murdered

20460-401: The receiving team. The three types of scrimmage kicks are place kicks, drop kicks, and punts. Only place kicks and drop kicks can score points. The place kick is the standard method used to score points, because the pointy shape of the football makes it difficult to reliably drop kick. Once the ball has been kicked from a scrimmage kick, it can be advanced by the kicking team only if it

20615-439: The reduction of playing time from 70 to 60 minutes and an increase of the distance required for a first down from 5 to 10 yards (4.6 to 9.1 m). To reduce infighting and dirty play between teams, the neutral zone was created along the width of the football before the snap. Scoring was also adjusted: points awarded for field goals were reduced to three in 1909 and points for touchdowns were raised to six in 1912. Also in 1912,

20770-399: The rest of his time at the school. Devine also added names to the players' jerseys on a permanent basis when he took over at Notre Dame. Previously, names had been included on jerseys only during bowl games. (The traditional navy blue & white jerseys without names returned in the 1980s under Lou Holtz .) Devine's teams won three bowl games, including consecutive Cotton Bowl Classics. In

20925-542: The rulebook for the 1876 college football season , when the sport first shifted from soccer-style rules to rugby-style rules. Although it could easily have been called "rugby" at this point, Harvard, one of the primary proponents of the rugby-style game, compromised and did not request the name of the sport be changed to "rugby". The terms " gridiron " or "American football" are favored in English-speaking countries where other types of football are popular, such as

21080-427: The season. As the Packers' performance declined, Devine's relationship with the fans deteriorated, and his family started to get verbally harassed during games. An incident occurred where one of his dogs was shot by a neighbor. Devine claimed that the shooter was an angry Packers fan, but the farmer who shot the dog said that he did so because it had been constantly straying onto his property, and he had warned Devine in

21235-481: The second most number of wins as coach in school history, behind only Faurot. Devine is now third after being passed by Gary Pinkel in 2013. After finishing 5–4–1 in his first year in 1958, Devine (with two years left on his contract) gained some job security when a group of Missouri alumni funded a $ 150,000 life insurance policy that covered him as long as he remained as head coach of the Tigers. The investment paid off as Missouri never lost more than three games over

21390-457: The second one, the Harvard players preferred the Canadian style of having only 11 men on the field, running the ball without having to be chased by an opponent, the forward pass, tackling, and using an oblong instead of a round ball. An 1875 Harvard–Yale game played under rugby-style rules was observed by two Princeton athletes who were impressed by it. They introduced the sport to Princeton,

21545-503: The secondary, consists of cornerbacks (CB) and safeties (S). Safeties are themselves divided into free safeties (FS) and strong safeties (SS). Cornerbacks line up outside the defensive formation, typically opposite a receiver to be able to cover them. Safeties line up between the cornerbacks but farther back in the secondary. Safeties tend to be viewed as "the last line of defense" and are responsible for stopping deep passing plays as well as breakout running plays. The special teams unit

21700-466: The shortest job interview in history. In his six seasons at Notre Dame, Devine compiled a 53–16–1 mark (.764). His lasting achievement came midway through this run when the Fighting Irish won the 1977 national championship, led by junior quarterback Joe Montana . The regular season was highlighted by the Irish's 21–17 come-from-behind win over Clemson at Death Valley when Devine repeatedly gave

21855-411: The snap of the ball. The main backfield positions are the quarterback (QB), halfback/tailback (HB/TB), and fullback (FB). The quarterback is the leader of the offense. Either the quarterback or a coach calls the plays. Quarterbacks typically inform the rest of the offense of the play in the huddle before the team lines up. The quarterback lines up behind the center to take the snap and then hands

22010-531: The sport in the U.S., with another 81,000 college athletes in the NCAA and the NAIA . The National Football League (NFL) has the highest average attendance of any professional sports league in the world . Its championship game, the Super Bowl , ranks among the most-watched club sporting events globally. In 2022, the league had an annual revenue of around $ 18.6 billion, making it the most valuable sports league in

22165-403: The team in 1975. Devine asked for his last season's paycheck to come in advance, and after it was given to him, Devine announced his resignation. Devine had been a leading candidate for the head coaching job at Notre Dame in 1964 when Ara Parseghian was hired. When approached for the job following Parseghian's resignation a decade later, Devine accepted immediately, joking that it was probably

22320-526: The terms of each contract describe the limitations of the insured events. Often, specific exclusions written into the contract limit the liability of the insurer; common examples include claims relating to suicide , fraud, war, riot, and civil commotion. Difficulties may arise where an event is not clearly defined, for example, the insured knowingly incurred a risk by consenting to an experimental medical procedure or by taking medication resulting in injury or death. Modern life insurance bears some similarity to

22475-423: The time frame for issuance from weeks or even months to hours or minutes, depending on the amount of insurance being purchased. The mortality of underwritten persons rises much more quickly than the general population. At the end of 10 years, the mortality of that 25-year-old, non-smoking male is 0.66/1000/year. Consequently, in a group of one thousand 25-year-old males with a $ 100,000 policy, all of average health,

22630-499: The time was played at the collegiate level . The upstart NFL received a boost to its legitimacy in 1925, however, when an NFL team, the Pottsville Maroons , defeated a team of Notre Dame all-stars in an exhibition game . A greater emphasis on the passing game helped professional football to distinguish itself further from the college game during the late 1930s. Football, in general, became increasingly popular following

22785-593: The time, Devine's Irish were enjoying a surprisingly successful season , with a 9–0–1 record and No. 2 ranking in the polls, behind only Georgia . However, after Faust's hiring was announced, Notre Dame lost its regular season finale at rival USC , 20–3 and then lost the Sugar Bowl to Georgia, 17–10, giving the Bulldogs their first national championship and spoiling Devine's final game as a head football coach. Upon retiring, Devine moved back to Arizona and became

22940-407: The tobacco category typically have to pay higher premiums due to higher mortality. Recent US mortality tables predict that roughly 0.35 in 1,000 non-smoking males aged 25 will die during the first year of a policy. Mortality approximately doubles for every additional ten years of age, so the mortality rate in the first year for non-smoking men is about 2.5 in 1,000 people at age 65. Compare this with

23095-411: The width of the field, are marked every 5 yards (4.6 m). A one-yard-wide line is placed at each end of the field; this line is marked at the center of the two-yard line in professional play and at the three-yard line in college play. Numerals that display the distance from the closest goal line in yards are placed on both sides of the field every ten yards. Goalposts are located at the center of

23250-408: The winning team decides to defer, the losing team chooses the option the winning team did not select—to receive, kick, or select a goal to defend to begin the second half. Most teams choose to receive or defer, because choosing to kick the ball to start the game allows the other team to choose which goal to defend. Teams switch goals following the first and third quarters. If a down is in progress when

23405-402: The world. Other professional and amateur leagues exist worldwide, but the sport does not have the international popularity of other American sports like baseball or basketball ; the sport maintains a growing following in the rest of North America, Europe, Brazil, and Japan. In the United States, American football is referred to as "football". The term "football" was officially established in

23560-472: Was able to establish the Society for Equitable Assurances on Lives and Survivorship in 1762. It was the world's first mutual insurer and it pioneered age based premiums based on mortality rate laying "the framework for scientific insurance practice and development" and "the basis of modern life assurance upon which all life assurance schemes were subsequently based". Mores also gave the name actuary to

23715-520: Was instituted. Despite these new rules, football remained a violent sport. Dangerous mass-formations like the flying wedge resulted in serious injuries and deaths. A 1905 peak of 19 fatalities nationwide resulted in a threat by President Theodore Roosevelt to abolish the game unless major changes were made. In response, 62 colleges and universities met in New York City to discuss rule changes on December 28, 1905. These proceedings resulted in

23870-535: Was originally established in 1920 as the American Professional Football Association, aimed to solve these problems. This new league's stated goals included an end to bidding wars over players, prevention of the use of college players, and abolition of the practice of paying players to leave another team. By 1922, the NFL had established itself as America's premier professional football league. The dominant form of football at

24025-522: Was reluctant to accept the position; his flight to Missouri had developed engine trouble. Devine also had hot chocolate spilled on him by a stewardess during the flight, which arrived six hours late. Over the next 13 years, Devine would turn the once-dormant program into a consistently competitive school that finished with a Top 20 ranking nine times. His record of 93–37–7 (.704) included four bowl game victories, with his winning percentage passing that of his predecessor Don Faurot . Devine left Missouri with

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