The NHL situation has made this more confusing than it used to be. We used to rely on some sort of specific use of the word "retire" but now players are done, but don't retire, because instead they are placed on LTIR. So we've generally allowed those players to remain active, but their ratings take the hit going forward. That's what was done with Savard, Horton, Hossa, and others in the past.
I'm totally open to how to make this less ambiguous. But that's what creating the confusion, and generally where we try to draw upon how we've handled in the past.
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