The Cards can't afford to match (or won't anyway), the money that OU can throw at Kingsbury (long term). He's in a good situation though in terms of his current NFL job. But, he can grab that guaranteed money from the Sooners, and even if he fails again in college, he has enough equity built up in the NFL he'd have no problems landing a gig there again (but odds are it wouldn't be as good a gig as he has now). So basically, what's more important to him? The NFL lifestyle and trying to win a Super Bowl? Or ALL THE MONEY, but having to deal with the CFB grind? I think he probably uses OU to get very nice raise and stays in the NFL...