Jacksonville Jaguars quarterback David Garrard has been having an up and down season, dealing with concussions and recovering from them. His team currently is 2nd in the AFC South and battling for a berth in the playoffs, with half the league. Garrard is a bit of a gamble as a fantasy football quarterback whenever he plays, but rather one has to recognize where he does best. He does best against soft secondaries, like the Indianapolis Colts and the Buffalo Bills and one important factor, he plays better at home. David Garrard is a borderline QB1/solid QB2 until the end of the regular fantasy football season. However, he will become a QB1 into the playoffs. He is facing the Indianapolis Colts, the Washington Redskins and the Houston Texans in his last three games. He was prolific against the Colts and the Texans, and Washington has a somewhat soft secondary.