FILE - In this Feb. 21, 2011 file photo, Cleveland Browns linebacker Scott Fujita, left, and NFL Players Association Executive Director DeMaurice Smith, walk to an NFL/NFLPA mediation session at Federal Mediation and Conciliation Service headquarters in Washington. NFL players have been warned for years about the need to save and the importance of budgeting their money in case of a work stoppage. Well, the lockout is here. All the players have taken a bit of a financial hit already because of the lockout: NFL teams no longer are paying for their health insurance. (AP Photo/Jacquelyn Martin, File)
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