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Actually, by NCAA rule, there is no difference between a player with or without the ball when it comes to IW. The rule doesn't even mention a fumble, except when discussing one of the cases that determine options.
As far as the NCAA rules are concerned, I actually think this *IS* an IW. And I think someone calling someone OOB who was not could also be an IW, by rule. Although I would guess in a practical sense, it doesn't come up often.
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