Rose in his frustration let it slip that it was more an insurance issue than anything. The group that owned him was named Cash is King for God's sake. Yes, there were some new developments with the injury that did made him more of an insurance risk. In turn the insurance premium went up. If they wanted to bring him back the following year they could have but only while paying a much higher insurance premium. While I in no way fault them for their decision it was a decision to retire him, not a retirement due to a career ending injury. In the end cash was king.
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