Great link, thanks.
So for the layman (me), as long as you are not trying to convince visitors that you are the one who owns the trademark you are ok, even if you are using it for commercial gain. You can use "NFL" on sites with ads or products if you clearly state you are not the NFL, or affiliated with the National Football League.
Is that an accurate nutshell?
The part that gets me is the last three sentences: "The majority also notes that the Policy was not designed to deal with, nor is the Panel asked to determine, the issue of trademark infringement. Whether the use of Complainant's trademark on Respondent's web site constitutes trademark infringement is not for the Panel to decide. If Complainant wishes to pursue that issue, other forums are available."
That makes me think that the above example could in fact still be infringing on the NFL's trademark.
Thanks for the help.