I've thought for a couple years now that the team is under-performing it's talent level, even with some of the roster deficiencies that are well known.
There is just no discipline or accountability. Even among the better players on the roster, they are wildly inconsistent. This includes even Luck. I think a huge part of his development has been screwed up by Pagano.
He's never learned to read and react to NFL defenses like Manning, but that's because he's never had a coach who could teach him that, because all his coaches have sucked.
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