Can anyone say why this is considered a draw?

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Avatar of demdem8
https://www.chess.com/live/game/122855837710
Avatar of Martin_Stahl

White ran out of time and can't win. Black only has a king and knight which is considered insufficient material here.

https://support.chess.com/en/articles/8557986-my-opponent-ran-out-of-time-why-was-it-a-draw

The site does not use the FIDE implementation of mate possible by any series of legal moves