Indianapolis Colts cornerback Xaverian Howard sits down in front of the cameras and hugs himself involuntarily. Now he's shivering. This is a mid-September afternoon in Indiana , and it's close to 90 degrees outside, but the air-conditioning must be blaring at the Colts' Indiana Farm Bureau Football Center on 56th Street because it sure looks uncomfor--

“Boy,” Howard mutters as he gets ready for a media interview on Zoom. “It’s cold in here.”

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