ESPN’s Chris Mortensen is reporting that Chad Pennington will need surgery after tearing his ACL in a pickup basketball on Thursday. Pennington, who is now a shoe-in to win the I’m the Unluckiest Bastard in the World award yet again this year, can probably put to rest any thoughts of another NFL comeback.

Now, if this were 2002 or even 2008, Pennington tearing his knee would be big news on its own. But with apologies to the Pennington family, it’s not now. The big news here is that a player just got seriously hurt during the lockout and for those in need of a reminder, the NFL stopped the players’ insurance the moment they locked them out.

Pennington seems like he’s on top of things so I would image he sought the advice of his union when it told him to make sure that he has insurance during the lockout. But there are 1,700-plus players in the NFL – what’s the chances that all 1,700-plus players acted swiftly and made sure they were covered as well? Don’t forget, we’re talking about 23, 24, 25-year-old kids here that think they’re invincible. How many of them are rolling the dice right now thinking they don’t have to have insurance, or who have put the task off hoping the lockout will end soon?

Maybe Pennington’s injury will serve as a wake up call for those that ignored the union’s letters and e-mails about attaining insurance. Freak injuries happen all the time and you know Pennington isn’t the only athlete playing pickup basketball, or hiking, or skiing, or whatever this offseason.

And thinking on an even grander scale, maybe Pennington’s injury will encourage the NFLPA to get back to the bargaining table and put an end to this CBA mess so that the NFL can start providing players with insurance again.

Somewhere in Pittsburgh right now, Patriots’ coach Bill Belichick just read Randy Moss’ stat line from his first game as a Titan and said, “Suck it, Randy.”

After being a malcontent in his previous two stops, Moss is now working on his third team this season and he’s already 0-1. While he was targeted four times in the Titans’ 29-17 loss to the Dolphins on Sunday, he caught just one pass for 26 yards in his Tennessee debut.

And that catch didn’t come until the Titans’ final drive in the fourth quarter.

Moss spent most of the day riding the bench and he even admitted after the game that he wasn’t as good as he could be.

“My debut, man, it was actually a bad game for me. I think I just tried to be as much help to them as I could, just try to play within the offense. So I felt comfortable out there, but I don’t think that I had a very good overall game. I think that my blocking really wasn’t that good, where I wanted it to be. So I’ll just go back at the drawing board and come back again next week.”

As for the players who did factor into the game, Chad Henne completed 19-of-28 passes for 240 yards with one touchdown and an interception. The only reason Henne was in the game was because Chad Pennington (who’s season, if not career, is likely over with) hurt his shoulder just two snaps into the first quarter. Then Henne injured his knee in the second half and had to be replaced by Tyler Thigpen, who completed 4-of-6 passes for 64 yards and a touchdown.

Henne, who was on crutches following the game, will have an MRI on his knee Sunday night. If he can’t go, Thigpen would get the nod against the Bears next week.

The win was big for the Dolphins, who remain two games behind the Jets in the division. The loss drops the Titans a game back of the Colts in both the win and loss columns, and into a tie with the Jaguars at 5-4.

Looking for more consistency at the quarterback position, the Dolphins have decided to bench Chad Henne in favor of Chad Pennington for their game this Sunday against the Titans.

Henne essentially won Miami’s starting quarterback job last year by completing just over 60% of his passes and compiling a 75.2 QB Rating. Those numbers aren’t great of course, but they were impressive for a quarterback in just his second season (his first as a full-time starter).

But in eight starts this season, Henne has thrown eight touchdowns and 10 interceptions for the 4-4 Dolphins. His decision-making has been questionable at best and he’s thrown an inception in six straight games. He’s also failed to find Brandon Marshall in the red zone, as the receiver has just one touchdown on the year.

Pennington led the Dolphins to the playoffs in 2008 (his first year in Miami), but he hasn’t attempted a pass since Week 3 of last year. He suffered a season-ending shoulder injury that required surgery, although he didn’t look sharp in any game before that. It was also the third time he’s had to have his shoulder operated on and this is a guy who never had a strong arm to begin with. Miami’s vertical passing game definitely takes a hit with this change.

That said, Pennington is a crafty veteran that knows how to find open receivers and not force passes into coverage. He often takes what the defense gives him and at the very least, he won’t put the Dolphins in a bad position by turning the ball over. He may not win the game for Miami, but he won’t lose it either.

The NFL draft is over and free agency is kind of in a lull. Mini-camps and stories about letting Pacman back into the league, JaMarcus Russell being released, or what counseling Big Ben is attending just don’t help the football jones we all have. So that’s why we’re back with a few Top 10 lists to ponder. This one for the active NFL passer ratings is good because it’s a solid indicator of who you might think about drafting for your fantasy team come August or September. And hey, we’re just a few months away!

1. Aaron Rodgers, Green Bay Packers (97.2)—Rodgers really emerged last season with 103.2 rating, especially once his line decided to keep him upright. He and the two guys immediately below him should win at least one ring in their careers solely because of their own talent.

2. Phillip Rivers, San Diego Chargers (95.8)—Rivers has topped 104 in QB rating the last two seasons. If you told me I could have one quarterback to win one game, I’m not sure this isn’t the guy I’d take. In fact, he IS the guy I’d take.

3. Tony Romo, Dallas Cowboys (95.6)—Romo cut down his interceptions drastically in 2009, but the pundits and fans in Dallas still couldn’t lay off the guy. I’m telling you, they don’t know how good they have it with Romo at QB. As a Giants fan, this is one guy I cringe when facing.

4. Peyton Manning, Indianapolis Colts (95.2)—Always solid, but Manning needed a freakish 121.1 rating in 2004 and two more seasons after that over 100 to make up for some really bad years early in his career. Still, he’s Peyton Freaking Manning.

5. Tom Brady, New England Patriots (93.3)—Speaking of freakish, Brady’s 117.2 in 2007 kicked him up a few spots here. You know, maybe this is the guy I want in a must-win game, but then again, he’s shown to be slightly damaged goods since the 2008 opener.

6. Drew Brees, New Orleans Saints (91.9)—Brees finally won that elusive ring in 2009, and he also led the NFL with a 109.6 QB rating as well as a ridiculous 70.6 completion percentage. Yeah, I’d say he earned that ring.

7. Ben Roethlisberger, Pittsburgh Steelers (91.7)—A great quarterback that sadly has so much baggage, he has the Steelers and their fans wondering if he’s worth it. The two Super Bowl wins surely don’t hurt, but has Ben peaked?

8. Matt Schaub, Houston Texans (91.3)—Finally healthy a full season, this guy was fantasy gold in 2009. Look for his QB rating number to continue climbing—well, assuming he still has Andre Johnson to throw to.

9. Chad Pennington, Miami Dolphins (90.1)—He hasn’t quite matched his 104.2 mark in 2002, but Pennington was always an underrated QB. And kind of still is. I mean, this guy is still a backup? I can think of at least three teams he’d be starting for.

10. Carson Palmer, Cincinnati Bengals (87.9)—He hasn’t reached 90 in QB rating since 2006, but it’s not often you hear anyone say a bad thing about Mr. Palmer.

Notable omissions: Not on this list are Donovan McNabb, Brett Favre, Eli Manning and Matt Hasselbeck. Okay, really, just the first two are surprising, but then again, maybe not so surprising.

Source: Pro Football Reference

According to the Chiefs’ official website, Kansas City traded quarterback Tyler Thigpen to the Dolphins for an undisclosed draft pick.

Miami was forced to make this move after Chad Pennington suffered a season-ending shoulder injury in a loss to the Chargers in Week 3. With only Chad Henne and Pat White on the depth chart, Thigpen gives the Dolphins more experience at the quarterback position.

That said, Henne will remain the Dolphins’ starter because the team wants to get a better look at the former second round pick out of Michigan. Given Pennington’s age (33) and injury history, there’s a good chance that Miami won’t re-sign him when he becomes a free agent in the offseason. But they still want to see whether or not Henne is capable of taking over the starting job before the jettison a veteran quarterback like Pennington, who led Miami to an AFC East title last season.

As for the Chiefs, they were hoping to acquire a fourth round pick in exchange for Thigpen this summer after they traded for Matt Cassel, but I doubt they got more than a fifth rounder from Miami.

Thigpen isn’t a bad fantasy quarterback. He was QB12 last year even though he was second string early in the season. His 18.8 fppg average was 10th-best in the league. He posted some good garbage time numbers for the Chiefs because they were trailing for most of the season. The job is Henne’s to start, but if he falters or gets injured, Thigpen could be a sneaky good pickup in deeper fantasy leagues.

ESPN’s Chris Mortensen is reporting that Dolphins quarterback Chad Pennington’s season is likely over after he suffered a torn capsule in his right throwing shoulder in a loss on Sunday to the Chargers. Pennington is seeking a second opinion, but it looks like Chad Henne will be the full-time starter now in Miami.

The team has not yet confirmed the severity of the injury. But Dolphins TE Anthony Fasano told the AP earlier the team was preparing to move on with backup Chad Henne.

“We’re going to have to go out there with Henne, who is a lot less experienced,” Fasano said. “There is definitely going to be a learning curve for Henne. He can learn as much as he wants in a classroom, but until he’s out on the field, in-game experience he’s not going to learn.”

Rookie Pat White, who’s seen action in the Dolphins’ Wildcat package thus far, is the only other QB on the roster.

White would be an intriguing option to start, but he doesn’t have any experience running a pro style offense because he played at West Virginia, which ran a spread option attack. So the Dolphins are essentially forced to start Henne and keep using White in the Wildcat.

This is a massive blow to Miami’s season. Pennington was limited as a passer, but he’s one of the most underrated quarterbacks in the game just based on his ability to read defenses and get the ball out of his hands quickly.

Unless Henne turns out to be the next Tom Brady off the bench, the Dolphins are going to struggle to even going .500 this year. They’re already 0-3 and play in one of the toughest divisions in football.

I’ll get to the greatness of Peyton Manning in a second, but first I’d like to know what the hell the Dolphins were thinking on the final series of their 27-23 loss to the Colts on Monday night.

For three and a half quarters, Miami’s game plan was executed to perfection. They ran the ball well, grinded out the clock and kept Manning and the Colts’ potent offense on the sidelines.

But once Manning led Indy on one of his vintage drives late in the fourth quarter to put the Colts up 27-23, Tony Sparano and his coaching staff didn’t make any adjustments. The Dolphins played their final offensive series like it was their first drive of the game. They ran the ball, they wasted time by not getting to the line of scrimmage quickly and on least two occasions, they called play action passes.

Now why, in the name of all that is holy, would you run play action in an obvious passing situation? Did offensive coordinator Dan Henning think that he would get the Colts’ safeties to bite on the run with 36 seconds left and Miami needing a touchdown to win? It’s wasted time for Pennington to mimic a handoff to his running back when he could have used it to find open receivers. He should have been in the shotgun or at the very least in a five or seven step drop so he could survey the entire field. Play action doesn’t do Pennington any favors in that situation.

And I’m sorry, but if Ted Ginn Jr. wants to be a No. 1 receiver in this league, then he’s got to come down with that pass in the end zone on 3rd and 10. It wasn’t an easy catch by any means, but he out jumped the defender and Pennington put the ball in only a place where Ginn could get it. I know he had a good night (11 catches, 108 yards), but Ginn has to come down with that ball and give his team a chance to win.

I don’t have the numbers, but I’ve never seen a team win in the NFL by only running 35 total plays like the Colts did tonight. For the Dolphins to execute their game plan for 58 minutes and lose in such a way at the end should piss Sparano off. And if it doesn’t, then maybe Bill Parcells made the wrong choice for head coach a year ago.

As for Manning – he’s a freaking machine. The way he read what Miami was trying to do on that 48-yard touchdown pass to Pierre Garcon was pure Peyton. I love watching Tom Brady play in a tight ball game, but I don’t think any quarterback is smarter than who the Colts employ under center every week.

Who would have thought that Jay Cutler’s debut for the Bears would go so poorly? How about Jake Delhomme picking up right where he left off in last year’s playoffs? The 49ers beat the Cardinals on the road?!

Below are 10 surprises from Week 1 in the NFL. Feel free to add what surprised you in our comments section.

1. Cutler’s atrocious Bears debut.
When Chicago acquired quarterback Jay Cutler from the Broncos this offseason, fans immediately started believing that their Bears were a legitimate Super Bowl contender. After all, the only thing that had held this team back over the years was not having a franchise quarterback. Now that the Bears had one in Cutler, the sky was the limit. Given the lofty expectations that fans had for the Bears, Cutler’s debut Sunday night in Green Bay was startling. The numbers were bad enough: 17 of 36, 277 yards, 1 TD, 4 INTs. But it was Cutler’s demeanor during the game that was most troubling. He constantly threw across his body into traffic, was rarely on the same page as his receivers and it appeared as though he flat out stopped trying after throwing his third pick of the night. Granted, there’s still a lot of time left. But nobody expected Cutler to get off to this bad of a start.

2. Miami shoots itself in the foot.
Even though Atlanta’s defense rose to the challenge on Sunday, it was still quite surprising to see the Dolphins routinely beat themselves with costly turnovers and dumb penalties. Early in the second quarter, Miami drove to the Falcons’ 16-yard line only to have tight end Anthony Fasano fumble after receiving a bone crunching hit from Mike Peterson. Cornerback Brian Williams returned the gift 53 yards and Atlanta capitalized with a Jason Elam 36-yard field goal. Midway through the third, the Dolphins again drove into Atlanta territory, but quarterback Chad Pennington didn’t see Peterson waiting in the flats and was picked off by the linebacker. The Falcons again capitalized, this time on a Matt Ryan to Tony Gonzalez 20-yard touchdown pass to give them a 16-0 lead. On Miami’s very next series, Fasano fumbled again, only this time Elam missed a 38-yard field goal. Later in the fourth, the Dolphins had a touchdown taken off the board after offensive lineman Vernon Carey was called for holding. This was a Miami team that won the AFC East last year because they did all the little things right. They never hurt themselves with mistakes and always capitalized on their opponents’ miscues. But the opposite happened on Sunday and considering Tony Sparano’s team isn’t talented enough to overcome turnovers and penalties, the Dolphins can’t have what happened in Atlanta become a routine occurrence.

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In 2008, Tony Sparano’s Dolphins did all the little things right. They took care of the football, they didn’t beat themselves and they didn’t self-destruct. Thanks to those things, Miami was able to win the AFC East and make an improbable playoff run under a first year head coach in Sparano and an underrated, yet limited quarterback in Chad Pennington.

But in a 19-7 loss to the Falcons on Sunday, the Dolphins did the opposite. They turned the ball over, they shot themselves in the foot with costly penalties and they didn’t do the little things right offensively.

The Dolphins turned the ball over four times on Sunday (as opposed to the Falcons, who didn’t turn the ball over once) and committed four penalties, one of which cost them a touchdown. They were also just 4 of 11 on third downs, which is staggering given that Atlanta’s defense struggled mightily in getting off the field on third downs in preseason.

Speaking of Atlanta’s defense, the unit was fast, aggressive and tenacious today. The Dolphins made plenty of stupid mistakes of their own, but the Falcons’ defense deserves credit for harassing Pennington (who was sacked four times and never looked comfortable in the pocket) and delivering bone-crushing hits whenever Miami’s players got their hands on the ball. For such a young, inexperienced unit, Atlanta’s defense was awfully impressive.

Head coach Mike Smith has to be pleased with the overall effort he got from his defense on Sunday. Even though Matt Ryan threw for 229 yards and two touchdowns and six different receivers caught passes (including Tony Gonzalez, who made an incredible catch in the first half and also caught a touchdown pass), the Falcons’ offense wasn’t as sharp as it could be. They’re going to start clicking eventually and if Atlanta can get the same defensive effort this season as it did today, then the Falcons go from being a playoff contender to a Super Bowl contender.

Remember when we were instructed to draft running backs with our first two, and in some cases, our first four, fantasy football picks? Yeah, that was so 1999. Heck, that was so 2004 or 2005 when LT and Shaun Alexander were dominating the gridiron. But a funny thing has happened. Running backs by committee are not only keeping legs fresh, they are wreaking havoc on fantasy rosters. Also, a recent trend toward pass-happy offenses is making quarterbacks and receivers more valuable. Last season, QBs were dominating — here is how the Top 10 QBs finished fantasy-wise in 2008 (your league may have scored differently than mine) and what you can expect from them in 2009:

1. Drew Brees, New Orleans Saints—Brees fell 15 yards short of Dan Marino’s single season passing yards record, finishing with 5069 yards, along with 34 touchdowns and 17 interceptions. Is he going to match that? There’s no reason to believe he won’t.

2. Philip Rivers, San Diego Chargers—I had LT last year and one of the reasons his stats suffered was because this guy kept throwing the damn ball. Rivers threw for 4009 yards with 34 TDs and just 11 picks. This year, will they go back to more of a run-first offense? Probably not — not with LT a year older.

3. Kurt Warner, Arizona Cardinals—Ah, the Fountain of Youth is a beautiful thing. Warner drank from it often, and of course when you have guys named Boldin and Fitzgerald to throw to, it can make you look good and feel ten years younger. Still, who expected 4582 yards and 30 touchdowns with 14 picks and a trip to the Super Bowl? Not me. This year, Warner may not have Boldin, who just keeps whining about his contract, but don’t think the QB’s numbers will suffer all that much.

4. Aaron Rodgers, Green Bay Packers—Brett who? You certainly won’t hear anyone blaming the Packers’ 6-10 season on Rodgers. It was in fact their defense that failed them, because Rodgers passed for 4038 yards with 28 TDs and 13 interceptions. And just for kicks, Favre’s numbers with the Jets were 3472 yards, but 22 TDs and league leading 22 picks. Going into 2009, Rodgers’ stock has to be even higher.

5. Jay Cutler, Denver Broncos—On what planet does 4526 yards and 25 touchdown passes get you run out of town? In Denver, where new coach Josh McDaniel screwed up and tried to trade for Matt Cassel. Oops. Cutler is now in Chicago, so that means his fantasy stock automatically drops a few notches.

6. Peyton Manning, Indianapolis Colts—The Colts got off to a horrible start and in fact didn’t win the division for the first time in years. But Manning finished strong, with 4002 yards, 27 TDs and just 12 picks. Marvin Harrison is no longer catching his passes, but that doesn’t mean Manning doesn’t have weapons.

7. Donovan McNabb, Philadelphia Eagles—It was a roller coaster season in 2008, but the Eagles came within about a quarter of reaching the Super Bowl. Somehow McNabb held it together (what, they have ties in the NFL?) and wound up having a great season, passing for 3916 yards with 23 TD passes and 11 picks. He only had 147 rushing yards and 2 rushing scores, but that’s what Philly has Brian Westbrook for. McNabb is getting long in the tooth, but he’s smarter and as accurate as ever.

8. Tony Romo, Dallas Cowboys—Okay, so there may be trouble in paradise and there is no T.O. anymore, but Romo is still a very good fantasy QB. His 3448 yards and 26 TDs were a bit off his 2007 pace (4211, 36 TDs), but part of that is because he missed a few games with a thumb injury.

9. Matt Cassel, New England Patriots—With zero pro experience and almost zero college experience, who would have thought Matt Cassel could come in for Tom Brady and have the season he did? Okay, so he is no Brady, but Brady is in a class of his own anyway. Cassel’s 3490 yards with 21 TD passes and just 10 interceptions were good enough to land him the starting job in Kansas City. How that will affect his fantasy stats remains to be seen, but don’t expect too much of a drop-off on an improved Chiefs’ team.

10. Chad Pennington, Miami Dolphins—You know Chad is still gloating after being pushed out of New York by Brett Favre, and then leading his Dolphins to the division title. Pennington is always risky as a fantasy QB because of injuries and inconsistency, but 3653 yards and 19 TDs is not shabby, nor was his microscopic total of 7 picks. If he stays healthy, Chad should have another good season.

The other name you’ll have to consider in 2009 is Brady. He missed the final 15 ¾ of the season after getting knocked out of the opener against Kansas City, but early reports are that Brady is looking and feeling great and will be at full strength in 2009. Randy Moss is salivating, and so will fantasy owners, though they will do so skeptically.

Are you ready for some football? I know I am and feel great just talking about it!

(Next week: Wide Receivers)