Circumstances in Dallas have changed so dramatically that Cowboys quarterback Tony Romo has gone from being his team?s insurance policy to having a $30 million one. Before the season, without anyone noticing, Romo took out a $30 million, ?loss-of-value? insurance policy, meaning the Cowboys quarterback, now in the last year of his contract, will be cashing in whether he?s healthy or hurt. What?s different and notable about Romo?s loss-of-value policy -- unlike the permanent-disability insurance policies numerous athletes have taken out over the years -- is that he doesn?t have to suffer a career-ending injury to get paid. Romo?s loss-of-value policy spells out that the quarterback would be eligible to be paid if an injury contributed to a downturn in his performance that affected his value on the open market.