CR, Miami is possibly penalised for an error in the original file. I recall (since I can't verify it now) that the contract of Zach Thomas is possibly wrong in the original file (it looks lije a typo).
More or less he commanded 3.5M, 7.5M, 4.5M in the first three years of his contract (if memory serves), so they have around 4M less for free agent spending.
Not that I have studied the file thoroughly, but I started a Fins dynasty and the first three years were awful in the FA market.
