What insurance, though? I didn't see a single thing from Mallett in preseason that indicated he could back Brady up more adequately than, say, Brian Hoyer, who was an UDFA that the Pats let go for nothing. I have a feeling they kept Mallett over him because they thought he could develop and net them something in return, and not necessarily because he was the better option at that time. Obviously, I don't watch practices, so I can never have a definitive opinion on the matter, but I'm not sure they got very good insurance from Mallett based on what we've seen.