I refer to the FIDE Laws of Chess 6.9 article:
Except where one of the Articles: 5.1.a, 5.1.b, 5.2.a, 5.2.b, 5.2.c applies, if a player does not complete the prescribed number of moves in the allotted time, the game is lost by the player. However, the game is drawn, if the position is such that the opponent cannot checkmate the player’s king by any possible series of legal moves.
Perhaps my understanding here is a bit shallow, and someone can shed some light... First off the opponent's unwillingness to accept 3 draw offers with 30 seconds and counting on his clock versus my 4 minutes, and forced draw possibilities.
In the end, (opp) K-N-P vs (me) K-B, with the (opp) running out of time was called a draw.
Is my understanding of rules warped? I thought that if there was a theoretical possibility of checkmate, which there was in the given game, running out of time should be considered a loss?
Plz shed some light, and thanks for replies.