IndyStar insiders Joel A. Erickson and Nate Atkins break down Chris Ballard’s end-of-season press conference, how the Colts approach the future and the reasonable skepticism from fans about what comes next.

Indianapolis Colts general manager Chris Ballard blames himself for another playoff miss. So, he's promising to implement a different approach this offseason. After hearing some team leaders complain publicly about the changes they want,