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if he's not taken down to the ground by the HC...there's no foul.
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Correct
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If the ball comes out prior to the runner being down, there's got to be a foul for something other than the horse collar (PF/unnecessary roughness as the runner is no longer a runner due to loss of posession)
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Incorrect- this is what the change addressed for 2010. Wording was changed to "opponent".
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We discussed this a while back regarding a HC tackle while crossing the goalline and whether the runner is still a runner because the play is dead once the ball crosses the goal line and whether it's a dead ball PF or still considered an HC..
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Last year's debate, rule change clarifies this to be a HC foul for 2010.
See pg. 89-90 in rules book for the commentary on 2010 rules changes. It gives a pretty clear and concise answer to this topic.