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In the West lies the AFCs powerhouse division, one that sent three teams into the playoffs after last season.

The Denver Broncos and Peyton Manning gobbled up all the headlines, records and awards except for the one that mattered, the Lombardi Trophy. The Kansas City Chiefs started strong and faded badly, the San Diego Chargers rode a 4-1 finish into the postseason and the Oakland Raiders well, theyre the Raiders. This year, can Peyton Manning work magic again? What will Andy Reid and Alex Smith do in their second season? Are the Chargers going to build on the 2013 finish? Are the Raiders going to improve?

Denver Broncos

Top story line The Broncos found out that a great defense is really important to a team with aspirations of winning (not just appearing in) Super Bowls. To that end, John Fox and John Elway went a little wild on defensive players in free agency.

Key acquisition So many choices but it probably will be Aqib Talib, especially if the road back to the Super Bowl involves playing New England again.

Biggest loss Who in his right mind leaves Mannings team? Well, a number of players did and one of them was wide receiver Eric Decker, who headed for the Jets.

Kansas City Chiefs Top story line It all ended so horribly as the Chiefs converted a 9-0 start into a 2-5 stretch run in Andy Reids first season as coach. They lost a wild-card game to Indy and now get ready for another season in a division that sent three teams to the playoffs. Blerg.

Key acquisition Outside linebacker Dee Ford, the 23rd pick in the draft, should help bolster the defense.

Biggest loss Its a tie: Branden Albert, Jon Asamoah and Geoff Schwartz are all gone after a season in which they combined for 2,022 snaps.

Oakland Raiders Top story line While the Raiders work out whether theyll share the 49ers stadium, the only AFC West team to miss the postseason was busy in the offseason.

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What you need to know about the AFC West

Andrew Luck has taken the Indianapolis Colts a bit deeper into the playoffs in each of his first two seasons in the NFL.

Now, it gets tougher after a 2013 season in which the Colts won 11 games and the other three teams combined for 13 wins.

The Houston Texans, under new coach Bill OBrien, are determined to put up a better fight, with J.J. Watt and Brian Cushing healthy and joined on defense by the No. 1 pick in the NFL draft, Jadeveon Clowney. As for the Colts, Arthur Jones is a nice acquisition on a defense that will be missing a key player because of a four-game suspension. On offense, Luck is Luck, but the Colts need Trent Richardson to prove he isnt a big bust. As for the Tennessee Titans and Jacksonville Jaguars, the phrase works in progress comes to mind.

Houston Texans

Top story line Bill OBrien, aka the leagues toughest-looking coach since Bill Cowher, arrives to try to take the division back from the Indianapolis Colts.

Key acquisition Jadeveon Clowney, the No. 1 draft pick, will bolster a defense geared toward regaining its elite status and stopping Luck. Unfortunately, it isnt certain when hell play yet as he recovers from sports hernia surgery in June.

Biggest loss It may just be Andre Johnson, who is unhappy and may be a holdout.

Indianapolis Colts

Top story line The Colts were forced to adjust to injuries on the fly and still Andrew Luck took them to a division title and to a playoff win in his second season. It figures to be more difficult to take the AFC South this year.

Key acquisition Defensive end Arthur Jones comes over from the Baltimore Ravens, joining Chuck Pagano, who coached him in Baltimore.

Excerpt from:
What you need to know about the AFC South

With apologies to the NFC North, welcome to the NFC West, the NFLs black-and-blue division.

This is the place where the coaches of the top two teams plain dont feel the love for one another, a 10-6 team failed to make the playoffs and a 7-9 team is on the rise and capable of knocking any of the top three off.

In short, this is where the fun is.

Arizona Cardinals

Top story line Despite a 10-6 record last season, the Cardinals were shut out of postseason play. Such is the burden of playing in the NFC West.

Key acquisition Left tackle Jared Veldheer may have missed 11 games with a triceps injury in 2013, but hes a big upgrade for Coach Bruce Arians and quarterback Carson Palmer.

Biggest loss Karlos Dansby, one of the best coverage linebackers in the NFL, left for Cleveland.

St. Louis Rams Top story line Finally, theyre finished taking the draft picks they amassed in the trade that brought Robert Griffin III to Washington. Now all they have to do is convert and make sure their quarterback remains on the field.

Key acquisition Keeping Sam Bradford healthy is the Rams priority and lineman Greg Robinson, the No. 2 pick (from Washington), will be tasked with that duty.

Biggest loss Safety Darian Stewart departed for Baltimore.

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What you need to know about the NFC West

AT&T Inc. (T), the second-largest U.S. wireless carrier, fell short of earnings estimates as more customers started paying for devices with installment plans, an option thats reducing profits as it cuts monthly service bills.

Second-quarter profit of 62 cents a share, excluding some items, missed the 63-cent average estimate of analysts, according to data compiled by Bloomberg. Sales rose 1.6 percent to $32.6 billion, below the $33.2 billion average estimate. The company, which is buying satellite carrier DirecTV, already had raised its 2014 sales forecast and cut its range of earnings estimates on June 3 due to the effect of the installment plans, called Next. It reiterated the outlook yesterday.

The company added more than 1 million monthly wireless subscribers. The shift to Next helps keep customers from switching to T-Mobile US Inc., whose offer of smartphone financing early last year forced Dallas-based AT&T and the other carriers to catch up. The downside for AT&T and its rivals is that the trend cuts into their revenue from wireless services, since the companies have to account for smartphone installment payments separately.

Theyre seeing pressure on the margin side of things, but theyre hanging in there. Thats the best thing you can do in this type of environment, Angelo Zino, an analyst with S&P Capital IQ, said in an interview before the earnings release.

Shares of AT&T dropped 1.1 percent to $35.49 yesterday in late trading.

The average monthly wireless-phone bill fell to $62.28 from $67.49 a year earlier. Including Next installment payments for smartphones, the average bill was $64.35. Bills will increase substantially in the second half of the year as customers spend more on data for their new devices, AT&T said in a presentation posted online.

AT&T started promoting Next, along with its shared-data Family Value plan, to keep subscribers from fleeing to a smaller rival like T-Mobile for quicker device upgrades and lower service charges.

The best thing to do in this environment is keep the most valuable customers we have, said Ralph de la Vega, chief executive officer of AT&Ts mobile-services unit, in an interview. Our smartphone customers are crucial -- if you lose them, you lose growth opportunities in areas like connected cars and smart-home services.

The companys 1 million new monthly subscribers surpassed the 816,000 average of analysts estimates, though it fell short of Verizon Communications Inc.s gain of 1.4 million. AT&Ts additions included about 700,000 smartphone subscribers, compared with Verizons 304,000 new phone subscriptions. About half of the smartphones AT&T sold were through Next plans.

AT&Ts wireless-service profit margin expanded 0.2 percentage point from a year earlier to 42.6 percent. Analysts had projected a service margin of 42.4 percent, based on a Bloomberg survey of nine estimates.

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AT&T Misses Earnings Estimates as Customers Shift to Phone Financing

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