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Without their foul, it would be 3rd down and the clock would continue running. You would have to use your time out anyway. Now with the foul you have a choice. If you can't afford to have any more time run off the clock, you decline the penalty and take the result of the play. If the yardage would be helpful (i.e. get your opponent out of FG range), then you may want to consider accepting the penalty.
You would like the NFL version of this. I'm not sure about all fouls, but the Cowboys committed a foul a couple weeks ago with just over a minute left and they were trying to run out the clock. The clocked stopped for penalty enforcement and did not start until the snap. Rather than run out most of the time, it gave Detroit plenty of time to run several plays and set up the winning TD.
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