My math indicates a 2% adder during the 82 game season. That is approximately 400 minutes. So, for the season and with no OT, you would need about 19280 (19680-400) minutes before penalties kick in. Regards the playoffs, I believe you get 10% instead of 2%. If this is correct, and I am sure it is, then it explains why so many good teams purposely draft a lousy "playoff Dead Man" (my words). Dead Man's poor performance is absorbed and tolerated during the regular season but when the playoffs hit, he is long gone and replaced with the 10% quality minute adder of better players. I believe there is an argument to lower the 10% or, at lease, every owner should understand the program so the playing field is equal.