52. Andrew Luck, QB, Colts

Luck isn’t absolved of accountability in last year’s disappointment, when the Colts missed the playoffs for the first time in his four NFL seasons, but averaging out his performance from 2012 on puts him safely on this list. There’s no way to pretty up the seven games Luck managed to play last season, but he has the potential to live up to his No. 1 overall draft status and lead a team to the big confetti shower that awaits a Super Bowl winner. Perhaps 2015 will wind up being a positive in the long term, teaching him a lesson in perseverance and convincing him that success is not always ordained in steady, one-rung-at-a-time intervals.

Senior NFL writer Don Banks joined SI in 2000 after 10 years on the beat covering the Vikings and Buccaneers. His Snap Judgments cap off every Sunday of every NFL season.