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If? Don't you mean when?
It's really tough to say right now. Philbin has some issue with Matthews, but he's good enough. Binns may or not be good enough, we're not sure yet, the injury last year set him back. And Gibson...he left practice limping the other day...that's not a good sign.
We'll see in pre-season, but right now I'd be leaning toward Gibson and Matthews staying, unless Binns really lights it up and Lazor loves him.
You are correct. "When" is probably more likely.