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What you can do though, is take a normal team, and edit the roster a bit as you don't HAVE to save it..
Everyone costs you money, but through selling and buying you can make up a pretty good team.
The Colts might be a good team to try that with, as Manning is on a huge contract, bt I managed to get Culpepper and McNabb as quarterbacks just by trading for Hasselbeck and the other Seattle Quarterback (I can never remember his name)