Margarito finally forced Cotto to his knee after a hard combination and then continued to unload as his opponent staggered around the ring, finally going down a second time as the towel flew in.
Garrard was in training camp with Miami last summer and appeared to have a chance at the starting job, but a knee issue that was covered on HBO's "Hard Knocks" ended those hopes.
In one rather smart move, Mr Duncan Smith managed both to distance himself from knee-jerk europhobia and to show that he was thinking hard about public services.
But when the 11-time Grand Slam champion heads to the hard courts for an official match later this week at Indian Wells, he doesn't know how his balky knee will respond.
The tendonitis is quite curable and I have to work hard now in the summer months and work on my thigh muscles so that they are strong enough to support the knee.