End of the first half, 1 min 30 sec or less left, your defense has the opponent pinned down inside their own 15, you have all 3 TO's, the opposing team runs and gets stuffed. The AI coach should call a TO in that situation instead of letting the clock run out, especially if the defense has held on the first down. Or not waiting until its 3rd down with 10 seconds left to call a TO, leaving your offense set up near mid-field or better with 4 seconds or less.