(1) FILE – In this file photo taken Feb. 1, 2010, then Houston Texans guard Chester Pitts makes a point to members of the House Judiciary Committee during a forum in Houston. Football labor negotiations with the NFL involving a federal mediator broke off March 11, 2011, without an agreement. 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/Pat Sullivan, ……..