White doesn't have enough material to checkmark you. You need to be able to force one to win on time.
Why is this game a draw by insufficient material?
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I was playing a 10 min live game. My timer ran out first, this is the ending position, I am black, and the game was called a "draw by insufficent material" by chess.com
I would have thought that I should lose by timeout, and I have ample material to force a mate?