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The Redskins may be prepared to enter the season with John Beck at quarterback, and while I would advise against that, the Skins are more than just a quarterback away from being a top-notch football team.
Beck could turn out to be a solid quarterback, but Palmer is a much more proven option who could get the Skins back to respectability this season.
Washington has finally gone away from big money players and looks to be building through the draft, especially on defense, where they now have a strong base with Ryan Kerrigan and Brian Orakpo.
Palmer could find better places to go than Washington, but it would be better than retirement, and he could potentially do enough to keep the Skins from one of the first couple of picks in next April's draft.
(Although, Skins fans would probably rather have the top pick; if you're going to lose, you might as well lose big in the NFL.)