Underhill on Payton

He has been in the league a long time, but did have a mandated sabbatical year in 2012. Had retirement talk come from someone other than Underhill, I would be readily dismissing it. At the moment, I am not sure what to believe, though Payton surely knows how nearly impossible it is to win big without a top quarterback.

We're Payton to leave, it would mean the loss of not only the head coach, but the de facto general manager. I would not want Dennis Allen as a successor coach. But this is all complete speculation and hypotheticals.