Well, I'm not so sure. Notice in my initial query, I said it was INDIANAPOLIS, not THE COLTS. I fully understand why Sega could not embed real team names in the game, but there is nothing to prevent them from using the real cities that happen to have NFL teams. It would be up to us, the gamers, to physically type in the appropriate team names throughout the entire league before beginning a Franchise or a Season. So as you can see, it would make sense that a team called INDIANAPOLIS can have a QB with the last name Manning. Not a Colts team.
What do you think TCrouch?