At 6:40 PM ET on Sunday, we will be playing Under the Total in the game between the Buffalo Bills (313) and the Kansas City Chiefs (314). THE SITUATION: Buffalo (15-3) reached the AFC Championship Game with their 17-3 win against Baltimore last Saturday as a 2.5-point favorite. Kansas City (15-2) advanced to their opportunity to defend their Super Bowl championship last Sunday with their 22-17 win against Cleveland as a 7.5-point favorite.

REASONS TO TAKE UNDER THE TOTAL: Quarterback Patrick Mahomes cleared the concussion protocol on Friday but there is still the issue of the turf toe in his left foot. While Mahomes has said it feels better, this is an injury that needs a few weeks to heal — and numbing drugs can only do so much. Mahomes will not be at 100% — and his mobility will be limited. As it is, Kansas City has transformed into more of a ball-control offense in the second half of the season. In Mahomes’ last five starts (which excludes Week 17) since the Chiefs’ 35-31 win against Las Vegas, they are scoring only 25.5 PPG while not scoring more than 33 points during that stretch. Head coach Andy Reid is letting the clock burn when Mahomes is on the field in what appears to me to be an attempt to keep his defense fresh. This has helped the defense put up better numbers in the second half of the season. Kansas City has held these last six opponents (excluding the Chargers in Week 17 since Mahomes did not play) to 345.7 Yards-Per-Game with five of those opponents not gaining more than 367 yards. While not elite numbers, this approach is leading to lower-scoring games. Cleveland managed only 308 total yards last week against the Chiefs’ defense. The Bills score 30.3 PPG — but Kansas City has played 4 of their last 5 games Under the Total against teams who score at least 29 PPG. And while the Chiefs gained 438 yards last week, they have then played 5 of their last 7 games Under the Total after gaining at least 350 yards in their last game. Tellingly, Kansas City has also played 7 of their last 10 games Under the Total against teams with a winning record. Additionally, there is the issue of the sputtering KC offense in the Red Zone. Since Week 12, the Chiefs possess just the 26th most effective Red Zone offense in scoring touchdowns. This is not a good sign when facing this Bills’ defense that has had the best Red Zone defense since Week 12. These two teams played on October 19th with Kansas City winning by a 26-17 score. Despite the final result, Buffalo head coach Sean McDermott is likely to consider the defensive game plan a success. Defensive coordinator Leslie Frazier did not blitz at all in that game. The Bills’ begged Mahomes to hand off the football — and he did 46 times which resulted in 245 rushing yards. Yet KC scored a field goal below their season average. Given their improved Red Zone defense since that game, McDermott is likely to dare Mahomes to hand the ball off again while giving him the short passing game but not letting him burn the defense from the mismatches that ensue from using linebackers as pass rushers. Other defenses began copying this defensive approach which has also played a role in Kansas City’s declining offensive numbers in the second half of the season. This Buffalo defense will healthier in this rematch with linebacker Matt Milano playing in this game amongst others. Getting back to full strength helped the Bills’ defense rank sixth in the NFL since Week Seven using the DVOA metrics at Football Outsiders. Buffalo held the Ravens last week to just 340 yards. Yet Buffalo managed only 220 yards on their own while benefiting from their 100-yard interception return for a touchdown — and they have played 5 straight games Under the Total after not gaining more than 250 yards in their last game. The Bills’ first 20 plays from scrimmage were pass plays for Josh Allen — and that 21st play was a broken pass play that Allen then rushed for positive yardage. Buffalo runs the ball only 30% of the time in their offensive plays in the first half. I expect this playscript to change in this game against the suspect Chiefs’ run defense that ranks as the sixth-worst in the NFL using DVOA. The Bills’ attention to run the ball a bit more will also help them burn time off the clock to limit the offensive possessions Mahomes will enjoy. The Under is 9-2-1 in Buffalo’s last 12 road games against teams with a winning record on the road. They have also played 5 of their last 7 games Under the Total in January.

FINAL TAKE: The Bills have played 30 of their last 42 road games Under the Total as an underdog — and Kansas City has played 4 of the last 5 home games Under the Total as a favorite. 25* AFC Total of the Year with Under the Total in the game between the Buffalo Bills (313) and the Kansas City Chiefs (314). Best of luck for us — Frank.

At 3:05 PM ET on Sunday, we will be playing the Green Bay Packers (312) minus the points versus the Tampa Bay Buccaneers (311). THE SITUATION: Green Bay (14-3) has won seven games in a row after their 32-18 victory over the Los Angeles Rams last Saturday as a 9.5-point favorite. Tampa Bay (13-5) has won six games in a row with their 30-20 upset win at New Orleans as a 2.5-point underdog on Sunday.

REASONS TO TAKE THE PACKERS MINUS THE POINTS: The Buccaneers are playing the best football of their season right now which is just how head coach Bruce Arians and quarterback Tom Brady planned. However, this is a very challenging situation for them to travel up to Lambeau Field under their recent circumstances. They overcame a huge obstacle in upsetting the Saints on the road after they had lost the previous two times against this season by a combined 72-26 score. They also benefited from a +4 net turnover margin on Sunday. They are not likely to be so fortunate against a Packers team that has a +6 net turnover margin this season and that has only turned the ball over 12 times all year. Green Bay has committed only two turnovers in their last seven games — and Aaron Rodgers has just five interceptions all season. Part of head coach Matt LaFleur’s system is to ask Rodgers to do less in the passing game. It is working. And Tampa Bay is now playing their third straight game away from home which adds to the stress and complications of their situation. The Bucs have failed to cover the point spread in 5 of their last 7 games after playing their last two games away from home. They also have failed to cover the point spread in 21 of their last 35 games after pulling off an upset win. Additionally, Tampa Bay has failed to cover the point spread in 4 of their last 6 games this season after winning five or six of their last seven games. The Buccaneers are also surviving high-scoring games with at least 50 combined points scored in five straight games — and they have failed to cover the point spread in 7 of their last 11 games after playing at least three straight games where at least 50 combined points were scored. We had Tampa Bay last week — but did so understanding that the Bucs had a 1-5 record against teams that made the playoffs (during the regular season). Every other team playing in the divisional round had registered at least four victories against teams that made the playoffs. Tampa Bay’s six-game winning streak came against Atlanta (twice), Detroit, Minnesota, and then Washington and New Orleans in the playoffs. They have failed to cover the point spread in 7 of their last 11 road games as an underdog getting up to 7 points. Green Bay will be very comfortable in this situation being led by Rodgers. They dominated the Rams by a 484 to 244 margin in yards — and they have covered the point spread in 5 of their last 7 games after gaining at least 450 yards in their last game. The Packers have also covered the point spread in 5 straight games at home against teams with a winning record on the road — and they have covered the point spread in 5 of their last 6 playoff games at home. And in their last 10 games when favored by 3.5 to 9.5 points, Green Bay has covered the point spread in 7 of these games.

FINAL TAKE: The Packers will retain a significant home-field edge — not only in not traveling this week and playing in front of a loud crowd (as were the reports last week) even if not at full capacity at Lambeau Field last week. Yet the biggest edge for Green Bay in this game is that they will be very comfortable in playing in the cold weather. The Packers have covered the point spread in 8 of their last 10 games in January — and Tampa Bay has failed to cover the point spread in 7 of their last 10 games in January. 25* NFC Game of the Year with the Green Bay Packers (312) minus the points versus the Tampa Bay Buccaneers (311). Best of luck for us — Frank.

At 6:40 PM ET on Sunday, we will be playing Over the Total in the game between the Tampa Bay Buccaneers (307) and the New Orleans Saints (308). THE SITUATION: Tampa Bay (12-5) advanced from the NFC Wild Card playoffs last Saturday night with their 31-23 victory at Washington as a 10-point favorite. New Orleans (13-4) has won three straight games after their 21-9 victory against Chicago last Sunday as an 11-point favorite.

REASONS TO TAKE OVER THE TOTAL: The Buccaneer’s offense hit rock bottom on November 8th in their most recent encounter with the Saints in a 38-3 loss at home as a 3-point underdog. Tampa Bay was simply a mess on offense in that game with Tom Brady making ill-advised deep passes on short third-down situations. The Buccaneers ran the ball a mere five times — making a mockery of the analytics grifters who write articles every couple of years calling for offenses to pass on every down (as if there is not an adequate sample size from the Big 12 conference to assess the effectiveness of such a strategy). That game was also the debut of Antonio Brown with the team with the Bucs seeming to think he was just a “plug-and-play” solution. If there was a silver lining from that humiliation, it was that it forced Brady to get on the same-page Bruce “no risk it, no biscuit” Arians on the offensive philosophy of this team. Slowly, this offense is looking more like the ones he operated in New England — albeit with more deep throws still (but he has the talent to do it with his receiving corps). I expect this game plan to rely plenty on Brady’s assessment regarding how to attack this Saints’ defense he has played twice already — and that has just the 29th ranked Red Zone defense. The Tampa Bay offense enters this game clicking on all cylinders by scoring 40.7 PPG and averaging 527.6 total YPG. Brown has found his niche as one of the weapons at Brady’s disposal. Brady has been more accurate with his deep balls — he is averaging 9.7 Yards-Per-Attempt since their bye in Week 13 which is over 2.0 YPA above what he was averaging before the extra time to self-audit the offense. Granted, Brady’s recent success has been against teams with losing records in Detroit, Atlanta, and Washington (with Minnesota and the Falcons again since the bye week). How much of Brady’s success is legitimate and how much of it was a product of playing the Lions, et al, defenses? The metrics at Football Outsiders say the improvement is legit with the Buccaneers’ weighted DVOA on offense now ranked second in the NFL. Gaining 507 yards last week against the Football Team was impressive since they have a very good defense — and that effort was encouraging regarding how Brady will handle the pass rush this week since Washington is top-ten in pressure rate. Maybe the Tampa Bay offensive problems is as simple as two grizzled veterans in Brady and Arians needing (and using) the regular season to figure out how to mesh philosophies without the benefit of a normal offseason. The team trends suggest the Bucs will score their share of points. They have played 5 of their last 6 games Over the Total after scoring at least 30 points — and they have played 10 of their last 11 road games Over the Total after averaging at least 400 YPG in their last three games. Additionally, Tampa Bay has played 25 of their last 34 road games Over the Total — and they have played 8 of their last 9 road games Over the Total with the number set at 49.5 or higher. The Buccaneers have also played 16 of their last 21 road games Over the Total as an underdog including 6 straight Overs when not getting more than 3 points. New Orleans has covered the point spread in their last three games as a favorite — and they have played 13 of their last 19 games Over the Total after covering the point spread in three straight when laying the points. The Saints are going to score their share of points in this game — they average 30.4 PPG at home. Drew Brees is also averaging 35.3 PPG in his last three games while averaging 438.3 YPG and he is getting his weapons like Michael Thomas back for the playoff run. New Orleans has played 5 of their last 7 home games Over the Total against teams with a winning record on the road — and they have played 6 of their last 8 home games Over the Total when favored by up to 7 points. The Saints have also played 4 of their last 5 games Over the Total against teams with a winning record.

FINAL TAKE: Tampa Bay has played 6 straight games Over the Total when avenging a loss at home. These two teams have played 5 of their last 7 meetings Over the Total — and they have played 4 of their last 5 games Over the Total when playing in New Orleans. 25* NFC Total of the Year with Over the Total in the game between the Tampa Bay Buccaneers (307) and the New Orleans Saints (308). Best of luck for us — Frank.

At 3:05 PM ET on Sunday, we will be playing the Kansas City Chiefs (306) minus the points versus the Cleveland Browns (305). THE SITUATION: Kansas City (14-2) rested starters with the top seed in the AFC playoffs locked last week in a 38-21 loss to the Los Angels Chargers as a 7-point underdog. Cleveland (12-5) has won their last two games as well as seven of their last nine contests after their 48-37 upset win at Pittsburgh as a 5-point underdog.

REASONS TO TAKE THE CHIEFS MINUS THE POINTS: I really liked the situation for the Browns in that playoff game playing with no pressure given all the COVID adversity with the Steelers seeming to dismiss that their AFC North “younger brother” offered any threat with Ben Roethlisberger owning a 13-0 record at home against Cleveland in his career. Well, I “so right” about the Browns that it ruined our bigger play on the Under. With hindsight being 20/20, upgrading the Under play above the Cleveland side play was the sound fundamental play given the evidence at hand. That opening fumble in the end zone that the Brown recovered and then Roethlisberger throwing four interceptions to help Cleveland go into halftime with a 35-10 lead changed the entire dynamic of that game (while forcing the Steelers to abandon the run for their 2-minute offense). In winning that playoff game under those circumstances — without their head coach Kevin Stefanski — against their most-hated division rival was not only the Browns winning their Super Bowl but may very well be the biggest victory in the Super Bowl era. I like Baker Mayfield and this team when they can play with a chip on their shoulder about being disrespected. I hate Baker Mayfield and this team when they start feeling themselves after experiencing positive results. It will be an emotional two weeks by kickoff — and that is difficult to sustain for even the most battle-tested veteran group. The team hopes Stefanski returns to the building on Thursday. I expect Cleveland to be flat in this game despite playing with the proverbial “house money”. Let’s look at the team trends regarding how this team responds to situations like this. The Browns have failed to cover the point spread in 4 of their last 5 games after a double-digit win — and they have failed to cover the point spread in 10 of their last 11 games after a win on the road by at least 10 points against an AFC North rival. They also have failed to cover the point spread in 4 straight games after a point spread win. And while Cleveland needed to defeat Pittsburgh in Week 17 to make the playoffs, they have then failed to cover the point spread in 4 straight games after winning their last two against divisional opponents. And remember how unimpressive the Browns were in eking out that 24-22 win against Mason Rudolph and the Steelers’ second string? This is a team with Bluto for Animal House’s 0.0 when it comes to their net PPG differential — and they are outgained in yardage on the season. On the road, Cleveland was outscored and outgained. They have failed to cover the point spread in 11 of their last 15 games on the road — and this is an uber-difficult fourth game in their last five away from home. Winning the turnover battle in the last two weeks certainly helps — but the Browns have failed to cover the point spread in 5 of their last 7 games after enjoying a +1 or better net turnover edge in their last two games. Here comes rested Kansas City under head coach Andy Reid who has covered the point spread in 19 of his 29 games when getting the benefit of a bye week. Worried about the Chiefs only covering the point spread once in their last eight games? KC has covered the point spread in 31 of their last 46 games after failing to cover the point spread in five or six of their last seven contests — and they have covered the point spread in 12 of their last 16 games after failing to cover the point spread in six or seven of their last eight games. Worried about the Browns running the ball against a run defense that experts at Football Outsiders (who do not incorporate Time of Possession into their metrics) rank as the 31st in the NFL in DVOA? Well, this was an issue last year as well in their Super Bowl championship run. Cleveland won’t be running the ball when down 10 points. The bigger question is how will the Browns’ pass defense that allows 262.5 passing YPG which is 25th in the league (and DVOA! ranks this unit 25th against the pass, as well) stop Patrick Mahomes? Not only has their secondary been banged up all year, but the Browns also lost their second-best pass rusher in Olivier Vernon to a season-ending injury. The Cleveland defense is not good at this point of the season. Big Ben passed for 501 yards against them on Sunday — and Rudolph passed for 309 yards while leading an offense that gained 394 yards. The Browns have failed to cover the point spread in 4 of their last 5 games after allowing their last two opponents to average at least 450 YPG. Cleveland is also 9-26-2 ATS in their last 37 games against teams with a winning record.

FINAL TAKE: Kansas City has covered the point spread in 5 of their last 6 home games against teams with a winning record on the road — and they have covered the point spread in 4 of their last 5 playoff games at home. And all this assumes the best case scenario with Cleveland getting everyone back who were in quarantine last week because of COVID. To quote Larry David, this situation is “pretty, pretty, pretty good” (with the caveat that there are never anything “sure things” — but this is as good as it gets. Please don’t bet the house). 25* National Football League Game of the Year with the Kansas City Chiefs (306) minus the points versus the Cleveland Browns (305). Best of luck for us — Frank.

At 8:15 PM ET on Saturday, we will be playing Over the Total in the game between the Baltimore Ravens (303) and the Buffalo Bills (304). THE SITUATION: Baltimore (12-5) has won six games in a row with their 20-13 win at Tennessee as a 3.5-point favorite last Sunday in the Wild Card round of the playoffs. Buffalo (14-3) defeated Indianapolis at home last Saturday in their Wild Card playoff game by a 27-24 score as a 7-point favorite.

REASONS TO TAKE OVER THE TOTAL: The weather is going to be cold with a decent chance of flurries in this game. To quote Dan Marino: “if it’s snowing’, I’m throwin’!” I do not worry about playing Overs in snowy conditions if the supporting evidence points strongly to the Over — which is the case for this situation. The Over is 11-2-1 in the Bills’ last 14 games after a straight-up win — and they have played 6 straight Overs after a win at home. Buffalo generated 395 yards of offense in that game while averaging 7.09 Yards-Per-Play. The Bills have then played 4 of their last 5 games Over the Total after gaining at least 350 yards in their last game — and they have played 7 of their last 8 games Over the Total after averaging at least 6.0 YPP. Buffalo has scored at least 26 points in nine straight games while eclipsing 30 points in six of those contests. The Bills have then played 5 of their last 6 games Over the Total after scoring at least 25 points in five straight games. But Buffalo surrendered 309 passing yards en route to the Colts’ 472 total yards in that game. The Bills have then played 4 of their last 5 games Over the Total after allowing at least 350 yards — and the Over is 5-1-1 in their last 7 games after allowing at least 250 passing yards in their last game. Buffalo has allowed 50 combined points in their last two games while giving up at least 24 points nine times this season. Last week’s game just made it Over the 50.5 point Total — and the Bills have played 7 of their last 10 games Over the Total after playing a game that finished Over the Total. Baltimore has played three straight Unders after last week’s game finished below the 53.5 total — but they have played 24 of their last 41 games Over the Total after playing at least three straight Unders. The Ravens have also played 7 of their last 11 games Over the Total after winning their last two games on the road. Baltimore had scored at least 27 points in five straight games before only reaching 20 points last week in what turned out to be a game where both teams wanted to control the clock. And while the Ravens’ defense has only surrendered 18.6 PPG this season, they have given up at least 28 points five times. Buffalo averages 290 passing YPG — and Baltimore has played 29 of their last 44 games Over the Total after eight games into the season against teams who average at least 260 passing YPG. The Ravens score 28.2 PPG on the road — and while they average 194 rushing YPG, the Bills have played 10 of their last 12 home games Over the Total against teams who average at least 170 rushing YPG.

FINAL TAKE: The Over is 3-1-1 in Baltimore’s last 5 playoff games when they were the underdog. Buffalo has played 4 of their last 5 games Over the Total against teams with a winning record — and they have played 6 of their last 7 games Over the Total when listed in the +/- 3-point range. This is a heavyweight contest — and both these teams will keep fighting to win which should push the final score Over the Total. 25* NFL Saturday Night Total of the Year with Over the Total in the game between the Baltimore Ravens (303) and the Buffalo Bills (304). Best of luck for us — Frank.

At 4:35 PM ET on Saturday, we will be playing the Green Bay Packers (302) minus the points versus the Los Angeles Rams (301). THE SITUATION: Green Bay (13-3) returns to action off a bye week after defeating Chicago on the road by a 35-16 score on January 3rd as a 4.5-point favorite. Los Angeles (11-6) has won two in a row after defeating Seattle on the road as a 3-point underdog last Saturday.

REASONS TO TAKE THE PACKERS MINUS THE POINTS: The Rams may be due for a letdown after pulling off that upset victory against their NFC South rival — they have failed to cover the point spread in 4 of their last 6 games after a double-digit victory. Los Angeles has also failed to cover the point spread in 15 of their last 24 games after pulling off an upset win on the road against a divisional foe. Additionally, the Rams have failed to cover the point spread in 4 straight games after winning their last two games — and while they covered the point spread in those two games, they have then failed to cover the point spread in 8 of their last 12 games after covering the point spread in their last two games. With John Wolford dealing with the neck injury he suffered against the Seahawks, Jared Goff will be the starting quarterback in this game. Under normal circumstances, I worry about the California product playing in cold weather — he does not have a great history playing in the cold in those rare occasions in his career. Yet asking Goff to control a hardened ball from the cold with screws in his hand may be too much to ask. Highs are expected to be in the 30s for this game. Goff completed just 9 of 19 passes last week for 155 yards. The Rams’ offense relied on their ground game as they rushed for 164 yards — but Los Angeles has then failed to cover the point spread in 4 straight games after rushing for at least 150 yards in their last game. This is an offense that is scoring only 19.0 PPG over their last three games while averaging just 333.3 total YPG in those games. This is old hat for Green Bay — and they have covered the point spread in 8 of their last 11 games after a win against a divisional rival. They return home to Lambeau Field where they are 7-1 this season with an average winning margin of +12.1 net PPG. They are holding their guests to just 19.5 PPG along with 308.9 total YPG. They are also scoring 31.6 PPG while averaging 406.9 YPG in their eight home games. The Packers have covered the point spread in 7 of their last 10 games at home — and they have covered the point spread in 4 straight home games against teams with a winning record on the road. Green Bay has scored at least 24 points in nine straight games with them reaching 30 points in seven of those contests. Furthermore, the Packers have covered the point spread in 6 of their last 8 games in the playoffs — and they have covered the point spread in 4 of their last 5 playoffs games at home in the Green Bay cold weather. Aaron Rodgers’ team has covered the point spread in 10 of their last 14 games against teams with a winning record — and they have covered the point spread in 6 of their last 9 games when favored by 3.5 to 9.5 points.

FINAL TAKE: The favorite has covered the point spread in 9 of the last 10 meetings between these two teams — and the Rams have failed to cover the point spread in the last 6 of these games. It is tough to see Goff at less than 100% keeping up with Rodgers at Lambeau Field. 25* NFC Divisional Playoff Game of the Year with the Green Bay Packers (302) minus the points versus the Los Angeles Rams (301). Best of luck for us — Frank.

At 8:00 PM ET on Monday, we will be playing the Alabama Crimson Tide (500) minus the points versus the Ohio State Buckeyes (499) in the National Championship Game. THE SITUATION: Alabama (12-0) defeated Notre Dame by a 31-14 score on New Year’s Day in the Rose Bowl College Football Semifinals as an 18.5-point favorite. Ohio State (7-0) upset Clemson as a 7-point favorite later that night in the Sugar Bowl to earn the right to play for the National Championship. This game will be played on a neutral field at Hard Rock Stadium in Miami Gardens, Florida.

REASONS TO TAKE OVER THE TOTAL: We had the Buckeyes in their revenge opportunity defeat a Tigers team that beat them in last year’s Semifinals by a 29-23 score. I loved Ohio State in that situation as an underdog — but I hate this spot for them now. Head coach Ryan Day and his team just triumphed against their proverbial white whale — but the job is not done. I worry about a big emotional letdown for this team. As it is, the Buckeyes have failed to cover the point spread in 5 of their last 7 games after a win by at least 20 points. The continued COVID situation for Ohio State adds a very troubling complication for this team. Remember, it was the surprise announcement of a slew of Buckeyes’ players dealing with COVID that contributed to their sluggish effort in the Big Ten Championship Game against Northwestern. Fields struggled without his top weapons in that game — and he may be slowed in this game with the ribs injury he suffered against Clemson. If he is not 100%, the Buckeyes are in trouble. I was unwilling to make a call on the Total for this game without knowing if there is a position group that will not be available to play in this game — if an offensive position group is out, then that helps the Under; if a defensive position group is out, then it helps the Over. Either way, if Ohio State goes into this game undermanned, it could be devastating. Even if everyone takes the field on Monday, the practice and preparation for this team have been less than ideal. Alabama will be primed and ready for this game. Head coach Nick Saban’s team comes into this contest having not covered the point spread in their last two games — but they have covered the point spread in 7 of their last 8 games after failing to cover the point spread in their last game. Additionally, the Tide have covered the point spread in 44 of their last 67 games after not covering the point spread in their last two games — and they have covered the point spread in a dominant 23 of their last 28 games after winning but not covering the point spread in their last two games. This Alabama team is simply overwhelming on offense — they are scoring 48.2 PPG while averaging 535.6 total YPG. And the Buckeyes are vulnerable in their passing game — especially on the edges with what is still a young defensive backfield with only seven games under their belts this season. Ohio State is 116th in the nation by allowing 281.1 passing YPG — and the QB Mac Jones leads a quick-strike attack that is fifth in the nation by averaging 349.3 passing YPG. The rich might get richer as well with the possibility that wide receiver Jaylen Waddle may be able to return to action in this game after being injured for months. Alabama has covered the point spread in 10 of their last 15 games on a neutral field favored by 7.5 to 14 points.

FINAL TAKE: The Buckeyes have failed to cover the point spread in 4 of their last 5 games against teams with a winning record — and they have failed to cover the point spread in 8 of their last 10 games against teams from the SEC. Alabama has covered the point spread in 7 of their last 8 games against Big Ten foes. 25* CFB National Championship *A-List* Special with the Alabama Crimson Tide (500) minus the points versus the Ohio State Buckeyes (499). Best of luck for us — Frank.

At 8:00 PM ET on Monday, we will be playing Over the Total in the game between the Ohio State Buckeyes (499) and the Alabama Crimson Tide (500) in the National Championship Game. THE SITUATION: Ohio State (7-0) upset Clemson as a 7-point favorite later that night in the Sugar Bowl to earn the right to play for the National Championship. Alabama (12-0) defeated Notre Dame by a 31-14 score on New Year’s Day in the Rose Bowl College Football Semifinals as an 18.5-point favorite. This game will be played on a neutral field at Hard Rock Stadium in Miami Gardens, Florida.

REASONS TO TAKE OVER THE TOTAL: The Crimson Tide flexed their muscles on defense against the Fighting Irish offense by limiting them to 375 yards and just the two scores. Alabama has not only then played 19 of their last 26 games Under the Total after not allowing more than 20 points in their last game — and they have played 9 of their last 11 games Under the Total after not giving up more than 14 points in their last contest. And while that game flew Under the 65.5 point Total, they have then played 11 of their last 14 games Over the Total after playing an Under. The Crimson Tide has been vulnerable against explosive offenses — Florida generated 462 yards against the Bama defense (including 408 in the air) while Ole Miss put up 268 rushing yards and another 379 passing yards for 647 total yards of offense against a Nick Saban-defense. There is no question that Ryan Day and his offensive coaching staff have dissected the Lane Kiffin game plan he installed for his Rebels’ offense in that game. Alabama has won the turnover battle in three straight games — and they have played 28 of their last 40 games on the road Over the Total after enjoying a +1 or better turnover battle in two straight contests. This Alabama team is simply overwhelming on offense — they are scoring 48.2 PPG while averaging 535.6 total YPG. And the Buckeyes are vulnerable in their passing game — especially on the edges with what is still a young defensive backfield with only seven games under their belts this season. Ohio State is 116th in the nation by allowing 281.1 passing YPG — and the QB Mac Jones leads a quick-strike attack that is fifth in the nation by averaging 349.3 passing YPG. The rich might get richer as well with the possibility that wide receiver Jaylen Waddle may be able to return to action in this game after being injured for months. The Over is 22-9-2 in the Crimson Tide’s last 33 games played on a neutral field — and they have played 11 of their last 15 games Over the Total on a neutral field as a favorite laying 7.5 to 14 points. Ohio State has played 6 of their last 9 games Over the Total after an upset win by at least two touchdowns. And while they generated 639 yards against the Clemson defense — the Over is then 5-0-1 in their last 6 games after gaining at least 450 yards in their last game. The Buckeyes have gained at least 491 yards in all seven of their games this season — and they have then played 4 of their last 5 games Over the Total after gaining at least 475 yards in two straight games. Additionally, Ohio State has played 5 of their last 7 games Over the Total as an underdog — and they have played 9 of their last 13 games Over the Total with the total set at 63 or higher.

FINAL TAKE: Yes, this is a biggggg number in the mid-70s. But Ohio State has scored at least 38 points in six of their seven games with their COVID-impacted Big Ten Championship Game against a Northwestern team slowing the game down being the exception. Notre Dame deployed a similar strategy in “holding” Alabama to their lowest scoring total of the season — but the Tide has scored at least 41 points in their other ten games. If both teams hit those floors, the Over comes in. Both of these teams are going to try to “out-offense” the other in what should be a very competitive contest. Tellingly, Saban’s teams have played 13 of their last 19 January Bowl games Over the Total — and this includes all 4 National Championship Games. 25* College Football Total of the Year with Over the Total in the game between the Ohio State Buckeyes (499) and the Alabama Crimson Tide (500). Best of luck for us — Frank.

At 8:15 PM ET on Sunday, we will be playing Under the Total in the game between the Cleveland Browns (151) and the Pittsburgh Steelers (152). THE SITUATION: Cleveland (11-5) has won two of their last three games after defeating the Steelers at home last Sunday by a 24-22 score as a 10.5-point favorite. Pittsburgh (12-4) has lost four of their last five games.

REASONS TO TAKE UNDER THE TOTAL: The Steelers have played 10 of their last 14 games Under the Total after a straight-up loss — and they have played 5 straight games Under the Total after a narrow loss by 3 points or less. The Under is also a decisive 39-19-2 in Pittsburgh’s last 60 games after a point spread win. That game with the Browns finished Over the 44.5 point Total — but the Steelers have then played 12 of their last 18 games Under the Total after playing a game that finished Over the Total. Big Ben Roethlisberger should be in better health this week after getting last week off to rest with Pittsburgh already locked as the three seed in the AFC playoffs. Outside a second half against the Colts where Roethlisberger ignored his offensive coordinator to lead the offense to 17 points, the Steelers’ offense has looked stagnant in the second half of the season. Pittsburgh is struggling to run the football — they are averaging only 3.6 Yards-Per-Carry. This has contributed to the Steelers’ relying on quick passing routes — but with Roethlisberger’s struggles to execute the vertical passing game because of his health, a decline in his skills, or the lack of balance in the Pittsburgh offense — and that has made their offensive attack too predictable. The Steelers failed to score more than 19 points in five straight games before that second half against Indianapolis produced their 28 points in the final score. Pittsburgh has thrown the ball 44 and 49 times in their last two games — and they have played 5 of their last 7 games Under the Total after passing the ball at least 40 times in two straight games. The Steelers return home where they have been very tough to score on — they are holding their visitors to 18.6 PPG along with 295.1 YPG. The Under is 3-0-1 in their last 4 home games when favored. And in their last 26 games with the Total set in the 42.5 to 49 point range, Pittsburgh has played 17 of these games Under the Total. Cleveland has played 14 of their last 21 games Under the Total after playing a game that finished Over the Total. And while the Browns have not covered the point spread in their last two games, they have then played 7 of their last 10 games Under the Total after failing to cover the point spread in two straight games. The COVID outbreak will certainly not make things easier for the Cleveland offense. While having offensive coordinator Alex Van Pelt calling plays is a fine alternative, head coach Kevin Stefanski was hired for the job for this organization in part because of his acumen at calling plays. Having Stefanski away from the team given COVID protocols is far from ideal. Losing Pro Bowl guard Joel Bitonio to COVID also hurts this Browns’ offense. Tackle Jack Conklin is also questionable with an unrelated illness. Quarterback Baker Mayfield has averaged only 165.0 passing YPG in his three starts in Pittsburgh with a low 70.6 Passer Rating while getting sacked 11 times — he needs all the help he can get. The Cleveland defense has been playing better as of late — they have held their last three opponents to just 17.0 PPG along with 338.3 YPG. The Browns' strategy will be to lean heavily on their ground game and out-physical their divisional rival. Cleveland has played 10 of their last 14 games Under the Total as an underdog getting 3.5 to 9.5 points.

FINAL TAKE: The Steelers have played 20 of their last 27 games Under the Total when avenging a narrow loss by a field goal or less. 25* AFC North Total of the Month with Under the Total in the game between the Cleveland Browns (151) and the Pittsburgh Steelers (152). Best of luck for us — Frank.

At 4:40 PM ET on Saturday, we will be playing the New Orleans Saints (150) minus the points versus the Chicago Bears (149). THE SITUATION: New Orleans (12-4) has won two games in a row with their 33-7 win at Carolina last Sunday as a 6-point favorite. Chicago (8-8) saw their three-game winning streak end last week with their 35-16 loss at Green Bay as a 4.5-point underdog.

REASONS TO TAKE THE SAINTS MINUS THE POINTS: New Orleans should build off their momentum off a divisional game where I thought they might be vulnerable against an underdog playing the role of the spoiler. Instead, the Saints outclassed their NFC South rival who, like the Bears, were motivated by same-season revenge. New Orleans has covered the point spread in 6 of their last 7 games after a straight-up win — and they have covered the point spread in 4 straight games after a win by at least two touchdowns. The Saints have also covered the point spread in 7 of their last 10 games after scoring at least 30 points in their last game. New Orleans is scoring 38.0 PPG in their last three games while averaging 405.0 Yards-Per-Game over that span. They return home where they are scoring 31.6 PPG. The Saints are also fourth in the league by allowing only 310.9 total YPG. New Orleans has covered the point spread in 4 straight games after not allowing more than 14 points in their last game. Chicago backed into the playoffs despite the loss to the Packers. They have been outgained by -13.5 net YPG this season. The Bears are not likely to respond with an inspired effort after their loss to Green Bay as they have failed to cover the point spread in 4 of their last 5 games after a straight-up loss. Chicago has also failed to cover the point spread in 18 of their last 24 games after a double-digit loss at home. Mitchell Trubisky completed 33 of 42 passes for 252 yards in the losing effort — but he did throw an interception without a touchdown pass. Improved play from the offensive line has helped Trubisky to put up better numbers in this second stint as the Bears’ starting quarterback this season. But that game against the Packers was the first time this team played a playoff team since November 29th when they lost at home to Green Bay by a 41-26 score. Chicago has failed to cover the point spread in 6 straight games against teams with a winning record in the second half of the season. In theory, the Bears’ defense is supposed to keep them in games — and their frontline numbers looked decent last week as they only gave up 316 yards to the Packers. But Chicago allowed Green Bay to average 7.34 Yards-Per-Play — and they have failed to cover the point spread in 22 of their last 31 games after allowing their last opponent to average at least 7.0 YPP. The Bears stay on the road where they have failed to cover the point spread in 6 straight games against teams with a winning record at home. And in their last 8 games in the playoffs, Chicago has failed to cover the point spread 6 times.

FINAL TAKE: The Bears have failed to cover the point spread in 24 of their last 33 road games with the Total set in the 42.5 to 49 point range — and New Orleans has covered the point spread in 7 of their last 10 home games with the total set in that 42.5 to 49 range. 25* NFC Wildcard Playoff Game of the Year with the New Orleans Saints (150) minus the points versus the Chicago Bears (149). Best of luck for us — Frank.

At 1:05 PM ET on Sunday, we will be playing Over the Total in the game between the Baltimore Ravens (147) and the Tennessee Titans (148). THE SITUATION: Baltimore (11-5) has won five games in a row with their 38-3 win at Cincinnati last Sunday as a 13.5-point favorite. Tennessee (11-5) has won three of their last four games after their 41-38 win at Houston as a 7-point favorite as a 7-point favorite.

REASONS TO TAKE OVER THE TOTAL: The Titans have played straight games Over the Total after a straight-up win — and they have played 10 of their last 12 games Over the Total after a point spread loss. Tennessee has also played 20 of their last 26 games Over the Total after a narrow win by 3 points or less in their last contest. This Titans’ offense is a juggernaut deploying the running game behind Derrick Henry that also sets up the play-action pass for Ryan Tannehill. Tennessee scores 30.7 PPG — and they are scoring 32.9 PPG at home. They are also scoring 33.7 PPG in their last three games. They generated 492 yards last week against the Titans — and they have then played 5 straight games Over the Total after gaining at least 350 yards in their last contest. Tennessee has also played 7 of their last 8 games Over the Total after scoring at least 30 points in their last contest. But the Titans defense cannot generate a pass rush — they gave up 457 yards to the Texans last week. Tennessee has then played 5 of their last 6 games Over the Total after allowing at least 450 yards in their last game — and the Over is 8-3-1 in their last 12 games after giving up 30 points in their last contest. Green Bay put up 40 points against them in their previous game — and they have played 9 of their last 11 games Over the Total after allowing at least 30 points in two straight contests. The Titans give up 28.3 PPG along with 414.6 total YPG when playing at home — and they have allowed 445.0 YPG in their last three contests. They return home where the Over is 15-5-1 in their last 21 home games — and the Over is 6-1-1 in their last 8 road games against teams with a winning record on the road. Baltimore has played 4 of their last 6 games Over the Total after not allowing more than 9 points in their last contest. After playing three straight Overs, the Ravens have played their last two games Under the Total — but they have then played 5 of their last 8 games Over the Total after playing two straight Unders. Over their last five games, they are averaging 37.2 PPG while converting 61.3% of their third-down opportunities. They stay on the road where they are scoring 29.3 PPG. Baltimore has played 4 of their last 5 road games Over the Total as a favorite laying up to 3 points — and the Over is 3-1-1 in their last 5 road games in the playoffs.

FINAL TAKE: The Titans have played 6 straight games Over the Total as an underdog — and in their last 5 games when playing at home as a dog, all 5 games finished Over the Total. I think both teams score above 25 points in this game which should push the final score at least into the mid-50s. 25* NFL Wildcard Playoff Total of the Year with Over the Total in the game between the Baltimore Ravens (147) and the Tennessee Titans (148). Best of luck for us — Frank.

At 8:15 PM ET on Saturday, we will be playing the Washington Football Team (146) plus the points versus the Tampa Bay Buccaneers (145). THE SITUATION: Washington (7-9) has won five of their last seven games after their 20-14 win at Philadelphia last Sunday night as a 6.5-point favorite. Tampa Bay (11-5) has won four games in a row after the crushed Atlanta last week by a 44-27 score as a 7.5-point favorite.

REASONS TO TAKE THE FOOTBALL TEAM PLUS THE POINTS: I am not a zombie blindly following these numbers — but Tom Brady has been underachieving in night games. Not only have the Buccaneers lost three of their four prime-time games but they have not covered the spread in all 4 games. Furthermore, Brady has not covered the point spread in 7 straight prime-time games going back to his New England days last season. Those numbers are not encouraging — and I do give even more stock into the fact that Tampa Bay lost five of their six games against teams that made the playoffs. Brady and head coach Bruce Arians just want to win — they don’t care about covering a point spread. The Bucs have failed to cover the point spread in 5 of their last 8 road games when laying 7.5 to 10 points. They may due for an emotional letdown as well as they are 4-9-2 ATS in their last 15 games after a win by at least two touchdowns. Tampa Bay has covered the point spread in their last two games as well — but they have failed to cover the point spread in 6 of their last 8 games after covering the point spread in their last two games. Washington is a much better team with Alex Smith at quarterback — they have won five of the six games he has started this season. His numbers are not great — but I think he can move the team down the field if pressed to be more than a game manager not making mistakes. Smith should find success against a vulnerable Tampa Bay pass defense that allows 247 passing YPG which is 21st in the league. The Football Team has an outstanding defense that it is second in the NFL by allowing only 304.6 YPG. They have a great pass rush that fits the profile that has given Brady problems in the past in that they can rotate fresh bodies while generating pressure from a four-man front without relying on a blitz that takes away someone in pass coverage. Washington is sixth in the NFL with 47 sacks. In their last three games, the Football Team has only allowed 18.0 PPG along with just 266.0 total YPG. They have covered the point spread in 4 straight games after a straight-up win — and they have covered the point spread in 6 straight games after a narrow win by 6 points or less. They also have covered the point spread in 4 of their last 5 games after not allowing more than 14 points in their last game.

FINAL TAKE: I love this situation for Washington who can play in their familiar building without any pressure. They have covered the point spread in 4 of their last 5 games as an underdog. Tampa Bay has failed to cover the point spread in 4 of their last 5 playoff games as a favorite. 25* NFL ABC-TV Game of the Year with the Washington Football Team (146) plus the points versus the Tampa Bay Buccaneers (145). Best of luck for us — Frank.

At 1:05 PM ET, we will be playing Over the Total in the game between the Los Angeles Rams (143) and the Seattle Seahawks (144). THE SITUATION: Los Angeles (10-6) snapped a two-game losing streak on Sunday with their 18-7 win against Arizona as a 1-point favorite. Seattle (12-4) has won four games in a row with their 26-23 win at San Francisco as a 7-point favorite on Sunday.

REASONS TO TAKE OVER THE TOTAL: The Rams have played 10 of their last 16 games Over the Total after a win at home — and they have played 5 straight games Over the Total after a win at home over an AFC North foe. This is a bit contrarian play with the number dropping into the 42 range. Los Angeles has played four straight Unders — but they have then played 11 of their last 15 games Over the Total after playing at least four straight Unders. Granted, the Rams are averaging only 15.7 PPG in their last three games — and head coach Sean McVay has not committed to a starting quarterback with Jared Goff getting screws in his throwing hand and John Wolford having no experience in the playoffs. But the offense is getting healthier around these quarterbacks with left tackle Andrew Whitworth and wide receiver Cooper Krupp expected back on the field for this one and rookie running back Cam Akers established their lead running back. McVay seems to like Wolford — he can make some throws that Goff is not great at executing. The Rams are scoring 25.8 PPG on the road — and their pass attack is predicated on their play-action from their rushing attack being credible which should be the case in this game. Los Angeles has played 4 of their last 5 road games Over the Total against teams with a winning record at home. The Rams have also played 6 of their last 7 games Over the Total as an underdog — and they have played 5 of their last 6 road games Over the Total as a dog. Seattle has played 6 of their last 7 games Over the Total after a win over a divisional rival — and they have played 8 of their last 9 games Over the Total after a narrow win by a field goal or less. The Seahawks have also played 5 of their last 7 games Over the Total after a game where they won but did not cover the point spread as a favorite. Russell Wilson seems to be in a slump with the team scoring only 22.0 PPG in their last three games. But he did not suddenly forget how to play football — and the Seahawks were cruising into the playoffs in the second half of the season while intentionally working on improving their running game (which will help their defense). Yet Seattle remains a team that is scoring 29.6 PPG at home — and I have full faith in Wilson to continue to score points if the Rams are scoring in a competitive game. The Seahawks are dealing with injuries on defense including Jamal Adams dealing with a shoulder. Their win over the 49ers did finish Over the Total — and they have then played 4 of their last 6 games Over the Total after playing an Over in their last game.

FINAL TAKE: Seattle has played 4 of their last 5 games Over the Total in January — and they have played 8 of their last 11 games Over the Total in the playoffs. These teams did just play to a 20-9 score two weeks ago — and their first meeting this season finished Under the Total with the Rams’ 23-16 win. I think this one goes Over — with both teams scoring at least 20 points. 25* NFC Wildcard Playoff Total of the Year with Over the Total in the game between the Los Angeles Rams (143) and the Seattle Seahawks (144). Best of luck for us — Frank.

At 1:05 PM ET on Saturday, we will be playing the Indianapolis Colts (141) plus the points versus the Buffalo Bills (142). THE SITUATION: Indianapolis (11-5) has won four of their last five games after their 28-14 win against Jacksonville last Sunday as a 15.5-point favorite. Buffalo (13-3) has won six games in a row with their 56-26 upset win against Miami as a 3.5-point underdog.

REASONS TO TAKE THE COLTS PLUS THE POINTS: The Bills have been a freight-train in the second half of the season with all six of their victories being by double-digits. Quarterback Josh Allen has taken his game to the next level — fueled by a rigorous offseason program motivated by his embarrassing performance in the playoffs last year. But I expect things to become more difficult for Buffalo — especially against this Indianapolis team that can deploy the strategy that has given them the biggest problems this season. The Bills are small upfront on defense after losing some important players from last season that were then magnified when defensive tackle Star Lotulelei opted-out this season. Buffalo is allowing opposing rushers to average 4.6 Yards-Per-Carry which is 26th in the league. In their three losses this season, the Bills were torched on the ground. Tennessee ran the ball 34 times for 139 yards while also using the commitment to their ground game to set up play-action passes in their 42-16 thrashing of Buffalo. Kansas City ran the ball 46 times for 245 yards in their 26-17 victory over the Bills. And Arizona ran the ball 35 times for 257 yards in a 32-30 upset victory that ended with that Hail Mary touchdown pass to DeAndre Hopkins. Indy can deploy a similar strategy with rookie running back Jonathan Taylor peaking just in time for the playoffs. The former Wisconsin Badger ran the ball 30 times for 253 yards with two touchdowns in the Colts’ win against the Jaguars. Over his last six games, Taylor has rushed for 741 yards with a 6.2 Yards-Per-Carry average along with seven touchdowns. As it is, Buffalo looks primed for a letdown as they have failed to cover the point spread in 17 of their last 24 games after winning four games in a row — and they have failed to cover the point spread in 6 of their last 9 games after winning five in a row. And while the Bills were underdogs against the Dolphins because they had little at stake last week, they have then failed to cover the point spread in 7 of their last 8 games after an upset win as a home underdog — and they have failed to cover the point spread in 5 of their last 6 games after an upset win at home by at least two touchdowns. Buffalo has also failed to cover the point spread in 28 of their last 42 games after a double-digit win over an AFC East foe. Additionally, while the Bills are 7-1 at home, they are being outgained by -18.3 net YPG in those games. Indianapolis has covered the point spread in 7 of their last 11 games after a win over an AFC South rival — and they have covered the point spread in 29 of their last 43 games after a double-digit win over a divisional rival. And while they have not covered the point spread in their last two games, they have then covered the point spread in 5 of their last 7 games after failing to cover the point spread in at least two straight games. Furthermore, Indy has covered the point spread in 11 of their last 15 games after rushing for at least 200 yards in their last game. Additionally, the Colts have covered the point spread in 15 of their last 22 games against teams with a winning record — and they have covered the point spread in 4 of their last 5 games on the road.

FINAL TAKE: Buffalo is averaging 396.4 YPG — but Indy has covered the point spread in 10 of their last 13 games against teams who average at least 350 YPG. The Bills are banged up at wide receiver Stefan Diggs probable but dealing with an oblique and Cole Beasley questionable with a knee. Allen needs both at peak effectiveness. 25* NFL Wildcard Playoff Game of the Year with the Indianapolis Colts (141) plus the points versus the Buffalo Bills (142). Best of luck for us — Frank.

At 8:20 PM ET on Sunday, we will be playing Under the Total in the game between the Washington Football Team (101) and the Philadelphia Eagles (102). THE SITUATION: Washington (6-9) has lost two straight games with their 20-13 loss to Carolina as a 1-point underdog. Philadelphia (4-10-1) has lost two straight games as well as six of their last seven games after their 37-17 upset loss at Dallas as a 3-point underdog. Washington must win this game to win the NFC East and make the playoffs.

REASONS TO TAKE UNDER THE TOTAL: The Eagles declared nine players out yesterday — and this list includes running back Miles Sanders, wide receiver DeSean Jackson, and tight end Dallas Goedert. Philadelphia is getting very thin when it comes to injuries their skill position and offensive line units. They have played 9 straight games Under the Total when playing at home after losing two of their last three games. Quarterback Jalen Hurts has played quite well in his first three starts at quarterback — he led the Philly offense to 477 total yards last week. But the Eagles have played 4 of their last 5 games Under the Total after gaining at least 350 yards in their last game. Expect head coach Ron Rivera and the Washington defensive staff to have a good game plan against Hurts. It is usually about three games worth of tape in the NFL before opposing defenses begin to get a good book on quarterbacks to design more effective schemes. The Philly defense also gave up 513 yards to the Cowboys last week — but they have played 5 straight games Under the Total after allowing at least 350 yards in their last game. They return home where they hold their guests to just 23.4 PPG along with 336.3 YPG. The Eagles have played 21 of their last 29 games Under the Total at home — and they have played 13 of their last 16 home games Under the Total against teams with a losing record on the road. The Football Team has played 5 of their last 6 games Under the Total after a straight-up loss. Washington has also played 5 of their last 6 games Under the Total after failing to score more than 14 points in their last game. The Football Team has managed only 15 and 13 points in their last two games — and they have played 9 of their last 12 games Under the Total after not scoring more than 17 points in two straight games. Washington did gain 386 yards last week but they have then played 6 of their last 7 games Under the Total after gaining at least 350 yards in their last game. It does look like it will be Alex Smith back under center for this game with his taking part in a limited practice on Friday after missing the last two games with a calf injury. With second-year QB Dwayne Haskins cut earlier this week, it will be Taylor Heinicke as the backup quarterback if Smith gets re-injured. Look for a conservative game plan that limits mistakes and leans heavily on the Football Team’s outstanding defense that ranks 4th in the NFL by allowing 310.5 total YPG. Washington is scoring only 17.0 PPG while averaging 310.7 YPG in their last three games. They go back on the road where they have played 7 of their last 10 road games Under the Total against teams with a losing record at home.

FINAL TAKE: Washington has played 8 of their last 10 games Under the Total as a favorite. They upset the Eagles by a 27-17 score as a 5.5-point favorite on September 3rd - and Philly has played 3 straight games Under the Total when avenging a loss on the road. 25* NFC East Total of the Month with Under the Total in the game between the Washington Football Team (101) and the Philadelphia Eagles (102). Best of luck for us — Frank.

At 4:25 PM ET on Sunday, we will be playing Under the Total in the game between the Jacksonville Jaguars (103) and the Indianapolis Colts (104). THE SITUATION: Jacksonville (1-14) lost their fourteenth straight game this season with their 41-17 loss to Chicago as a 9.5-point underdog last Sunday. Indianapolis (10-5) saw their three-game winning streak snapped on Sunday with their 28-24 upset loss at Pittsburgh as a 1-point favorite.

REASONS TO TAKE UNDER THE TOTAL: The Jaguars’ soft-tanking job consists of somehow deciding Mike Glennon is a better choice to be their quarterback than Gardner Minshew. Sure, if the goal is to never score enough points to threaten to win a second game this season. Jacksonville has scored 41 combined points in their last three games while never topping 17 points in those three contests. They are averaging only 300.0 YPG in those games. To make matters worse this week, running back James Robinson and wide receiver D.J. Chark are out with injuries. The Jaguars defense is a mess — but they have played 4 of their last 5 games Under the Total after allowing at least 40 points in their last game — and they have played 11 of their last 15 games Under the Total after a game where at least 50 combined points were scored. And while Jacksonville has played two straight Overs, they have then played 15 of their last 20 games Under the Total after playing an Over — and they have played 30 of their last 46 games Under the Total on the road after playing two straight Overs. The Jags have not covered the point spread in three straight games — and they have played 8 of their last 9 games Under the Total after failing to cover the point spread in three of their last four games. Additionally, Jacksonville has played 9 of their last 13 games Under the Total against teams with a winning record — and they have played 5 of their last 6 games Under the Total in January. Indianapolis has played 17 of their last 25 games Under the Total after a straight-up loss. The Colts’ offense has taken a massive blow with left tackle Anthony Castonzo who went on Injured Reserve this week with a knee injury. The strength of the Indianapolis offense is their line with Castonzo being the key member. Indianapolis still has a strong defense that is 8th in the NFL by allowing only 335.3 YPG. The Colts return home where they have played 5 of their last 7 home games Under the Total against teams with a losing record on the road. They also have played 20 of their last 28 home games Under the Total in the last two weeks of the season.

FINAL TAKE: These two teams have played 7 of their last 9 games Under the Total when playing in Indianapolis. With Buffalo beating Miami, it looks like the Colts will already be in the playoffs before this game kicks off — and that may come to head coach Frank Reich to bench Philip Rivers and other key starters on offense. Indy will likely run and grind their way to victory. 25* AFC South Total of the Year with Under the Total in the game between the Jacksonville Jaguars (103) and the Indianapolis Colts (104). Best of luck for us — Frank.

At 1:00 PM ET on Sunday, we will be playing the New York Giants (108) plus (or minus) the point(s) versus the Dallas Cowboys (107). THE SITUATION: New York (5-10) has lost three straight games after their 27-13 loss at Baltimore as a 10-point underdog last Sunday. Dallas (6-9) has won three straight games with their 37-17 upset win at Philadelphia as a 3-point underdog. The winner of this game puts themselves in position to make the playoffs from winning the NFC East if Washington loses on Sunday Night Football.

REASONS TO TAKE THE GIANTS PLUS (OR MINUS) THE POINT(S): New York has lost three straight games — but they have all been against good teams looking to qualify for the playoffs in Arizona, Cleveland and then the Ravens last week. And while Daniel Jones was at his best this season before his hamstring injury since he was a threat with his legs, he still has been solid in the passing game since his return. He completed 25 of 41 passes for 252 yards with a touchdown and no interceptions last week — and he has not thrown an interception in five straight games. I thought the Giants were perhaps overvalued during their four-game winning streak in the second-half of the season — but they are being too quickly dismissed now. This is a gritty team under first-year head coach Joe Judge that plays solid fundamental football. They should play their best game in a month this afternoon. As it is, they have covered the point spread in 7 of their last 8 games after losing three of their last four games. They fell behind at halftime by a 20-3 score to the Ravens after falling behind by a 13-3 score at halftime to Cleveland the week before — but they have then covered the point spread in 15 of their last 20 games after trailing by double-digits at halftime in two straight games. Additionally, New Giants have covered the point spread in 6 of their last 8 games after a point spread loss. Look for the New York offense to center around Wayne Gallman who has rushed for 617 yards in place of the injured Saquon Barkley. He will be going against the worst run defense in the league that allows 161.1 rushing YPG this season. Facing the Cowboys may be just what the doctor ordered after this difficult stretch of games as the Giants have covered the point spread in 8 of their last 10 games against teams with a losing record. They also have covered the point spread in 4 of their last 5 games against divisional opponents. Additionally, they have covered the point spread in 5 of their last 7 games in January. And in their last 10 games as an underdog, New York has covered the point spread in 7 of these games. Dallas is the toast of the town — again — right now with three straight wins including the last two as upset victories over the 49ers and then the Eagles last week. Their victory over the Bengals started the winning streak — but the Cowboys have not beaten a team with a winning record over this stretch. Don’t be surprised if and when Dallas disappoints yet again after playing themselves back into the playoff picture. The Cowboys have covered the point spread in five of their last seven games — but they have then failed to cover the point spread in 30 of their last 43 games after covering the point spread in five or six of their last seven contests. The Dallas offense has found a rhythm as of late with Andy Dalton under center as they have scored at least 30 points in three straight games. But the Cowboys have failed to cover the point spread in 7 of their last 9 games after scoring at least 30 points in their last game — and they have failed to cover the point spread in 8 of their last 12 games after scoring at least 30 points in three straight games. They generated 513 yards again the Eagles’ defense — but they have then failed to cover the point spread in 4 straight games after gaining at least 350 yards in their last game. But the Cowboys have up 477 yards last week — and they have failed to cover the point spread in 5 of their last 7 games after allowing at least 350 yards in their last game. Now this team goes back on the road where they have failed to cover the point spread in 7 of their last 9 games away from home — and they have failed to cover the point spread in 13 of their last 17 games on the road in January. Furthermore, Dallas has failed to cover the point spread 16 of their last 21 games when listed in the +/- 3-point range — and this includes them failing to cover the point spread in these last six situations.

FINAL TAKE: The Cowboys have failed to cover the point spread in 4 of their last 5 games against divisional opponents. They did defeat the Giants at home on October 11th by a 37-34 score as a 7.5-point favorite — but New York has covered the point spread in 4 of their last 5 games when playing with revenge. 25* NFC East Game of the Year with the New York Giants (108) plus (or minus) the point(s) versus the Dallas Cowboys (107). Best of luck for us — Frank.

At 8:00 PM ET on Saturday, we will be playing the Texas A&M Aggies (498) minus the points versus North Carolina Tar Heels (497) in the Orange Bowl. THE SITUATION: Texas A&M (8-1) enters the postseason coming off a 34-13 win at Tennessee as a 13.5-point favorite on December 19th. North Carolina (8-3) comes off a 62-26 upset win at Miami (FL) as a 3-point underdog on December 12th. This game will be played on a neutral field at the Hard Rock Stadium in Miami Gardens.

REASONS TO TAKE THE AGGIES MINUS THE POINTS: Texas A&M has a chip on their shoulder for this game after not getting what they considered to be the “second” automatic bid into the College Football Playoff semifinals after getting bypassed by Notre Dame and an Ohio State team that “only” played six games (after seeing their non-conference schedule consisting of Bowling Green and Buffalo cut due to COVID). Will the Aggies come into this game with something to prove — or will they be complacent? The history of Jimbo Fisher teams is to take bowl games seriously. Fisher’s teams have won seven of their nine bowl games while covering the point spread in 6 of these 9 bowl games. And Fisher is regime building in College Station with a 25-10 record in his first three seasons there including two bowl wins after they crushed NC State in the Gator Bowl last year by a 55-13 score. This is a prestigious New Year’s Six bowl game in the cushy Saturday night prime-time slot with plenty of eyeballs from recruits to playoff committee members to AP voters that will make their preseason rankings which sets the table to rig the game for Power Five conference teams for playoff considerations — and the rich Texas A&M alumni are always watching with interest. So, yeah, I think Fisher has had his whip out for his team in practice to prepare for this game. The Aggies have covered the point spread in 8 of their last 11 games after a win by at least 20 points. And while they gained 497 yards against the Volunteers, they have then covered the point spread in 10 of their last 12 games after gaining at least 475 yards in their last game. Senior Kellen Mond completed 26 of 32 passes for 281 yards in the win — and Texas A&M has covered the point spread in 8 of their last 11 games after passing for at least 280 yards in their last game. The Aggies also have an outstanding defense that ranks 11th in the nation by allowing 316.6 YPG. North Carolina may be due for a letdown as they have failed to cover the point spread in 6 of their last 7 games after an upset victory on the road by double-digits — and they have failed to cover the point spread in 4 straight games after pulling off an upset win on the road by at least three touchdowns. Additionally, the Tar Heels have failed to cover the point spread in 9 of their last 11 games after a win against a conference rival — and they have failed to cover the point spread in 5 of their last 6 games after a double-digit win over an ACC opponent. UNC exploded for 778 yards against the Hurricanes while outgaining them by +464 net yards — but they have then failed to cover the point spread in 4 of their last 5 games after outgaining their last opponent by at least +175 net yards. Head coach Mack Brown is dealing with several opt-outs for this game with three of his top skill players on offense in wide receiver Dyami Brown and running backs Michael Carter and Javonte Williams and his best defensive player in linebacker Chazz Surratt bypassing this game. Brown has young but untested talent filling their shoes. The Tar Heels rushed for a whopping 554 yards against Miami — but they have failed to cover the point spread in 24 of their last 34 games after rushing for at least 275 yards in their last game. Now they face a stout Aggies run defense that holds opposing rushers to just 3.3 Yards-Per-Carry — while ranking second in the nation by allowing only 92.2 rushing YPG.

FINAL TAKE: Texas A&M has covered the point spread in 7 of their last 8 games when favored by 3.5 to 10 points. They also have covered the point spread in 11 of their last 13 games against teams outside the SEC. 25* CFB Saturday Night ABC-TV Game of the Year with the Texas A&M Aggies (498) minus the points versus North Carolina Tar Heels (497). Best of luck for us — Frank.

At 12:30 PM ET on Saturday, we will be playing the Mississippi Rebels (493) plus the points versus the Indiana Hoosiers (494) in the Outback Bowl. THE SITUATION: Mississippi (4-5) saw their three-game winning streak snapped on December 19th with their 53-48 upset loss at LSU as a 1-point favorite. Indiana (6-1) has won their last two games with their 14-6 upset victory at Wisconsin on December 5th as a 12-point underdog on December 5th. This game will be played at Raymond James Stadium in Tampa Bay.

REASONS TO TAKE THE REBELS PLUS THE POINTS: Ole Miss surrendered 593 yards against the Tigers in what has been a horror show of a season for them on defense. But they have covered the point spread in 5 of their last 7 games after allowing at least 450 yards in their last game. The Rebels committed six turnovers in that game with quarterback Matt Corral throwing five interceptions in the loss. He should clean that up a bit in this bowl game. Ole Miss has covered the point spread in 13 of their last 16 games on the road after a game where they turned the ball over at least four times — and they have failed to cover the point spread in 22 of their last 32 games on the road after suffering a -2 or worse net turnover margin. Corral will be without his top two targets in wide receiver Elijah Moore and tight end Kenny Yeboah who have opted out for the NFL draft. But those two did not play against LSU — and they still gained 558 total yards with 251 of those yards in the air. Corral needs to make better decisions — and head coach Lane Kiffin’s offensive schemes should generate plenty of yardage no matter who is out there. The Rebels rushed for 307 yards — and they have covered the point spread in 4 of their last 6 games after rushing for at least 275 yards in their last game. They may be without running back Jerron Early who is questionable with an injury. Ole Miss has covered the point spread in 5 straight games against teams with a winning record. Indiana has failed to cover the point spread in 6 straight games after pulling off an upset win as a double-digit dog. The Hoosiers won that game despite being outgained by -125 net yards — and they have failed to cover the point spread in 13 of their last 19 games after not allowing more than 6 points in their last game. Indiana defeated Maryland in their previous game by a 27-11 score — but they have failed to cover the point spread in 11 of their last 15 games after not allowing more than 17 points in two straight games. This team did most of their good work this season with the dynamic Michael Penix, Jr. but he is out the season with an ankle injury. The offense is simply not the same with Jack Tuttle under center. The Hoosiers gained only 217 yards against Badgers — and they have thrown for only 130 and 115 yards in their two games since Tuttle inherited the quarterbacking gig. Indiana is 3-9-1 ATS in their last 13 games after failing to score more than 20 points in their last game.

FINAL TAKE: Both of these teams will be motivated since the Hoosiers have not won a bowl game since 1991 while the Rebels have not won a bowl game since 2016. But Indiana has failed to cover the point spread in 6 of their last 8 games played on a neutral field — and Ole Miss is 8-2-1 ATS in their last 11 games on a neutral field. The Rebels are also 5-1-1 ATS in their last 7 bowl games. Look for a close game with Ole Miss’ offense keeping them in this game. 25* CFB ABC-TV Game of the Year with the Mississippi Rebels (493) plus the points versus the Indiana Hoosiers (494). Best of luck for us — Frank.

At 8:20 PM ET on Friday, we will be playing the Ohio State Buckeyes (333) plus the points versus the Clemson Tigers (334) in the Sugar Bowl College Football Semifinals. THE SITUATION: Ohio State (6-0) won the Big Ten Championship Game with their 22-10 win over Northwestern as a 16.5-point favorite on December 19th. Clemson (10-1) won the ACC Championship Game with their 34-10 win against Notre Dame on December 19th. This game will be played on a neutral field at the Mercedes-Benz Superdome in New Orleans.

REASONS TO TAKE THE BUCKEYES PLUS THE POINTS: It cannot be understated how significant a negative impact it was for Ohio State to have 22 players out in the Big Ten Championship Game — including their best wide receiver Chris Olave and one of their best defensive players in linebacker Baron Browning. Now, more than ever, I am embracing patience and due diligence before releasing plays after getting burned that morning (and we still should have covered that game with the Buckeyes’ final offensive drive stopping at the 1-yard line as time expired). A few important thoughts guided my decision this morning. The Buckeyes declared wide receiver Chris Olave as available to play this morning (along with their other players including Browning). Many of the 22 players impacted by COVID did not take part in full practice -- but that is not all that uncommon during the season (although not ideal). Now there is a narrative developing that Clemson has a situational advantage for this game having played in five more games. Maybe — although I have never heard the same argument made in college basketball (e.g. Duke has played in five more games than North Carolina — edge Blue Devils!). I just think this intangible is being significantly overplayed. Even though Ohio State has played six fewer games, they have been practicing the entire time! I mean, Ryan Day was pulling two-a-days in August even when the Big Ten canceled their darn season. And it is not as if Ohio State has been practicing against the local Columbus high school team in place of getting those five extra games against The Citadel and Syracuse that Clemson enjoyed. They were practicing and being coached-up playing against each other. Yes, statistically-speaking, elite teams improve in their efficiency numbers as the season moves forward — but not all of that improvement is contained to their game-day experiences. And, by-the-way, if we are going to become laptop fundamentalists on this point (despite the lack of data distinguishing between more practice time experience versus more practice and game time experience, then I would like to gently suggest that those same laptops give the edge to Opponent Adjusted Efficiency to the Buckeyes rather than the Tigers (with Pitt and Boston College and Syracuse and the Citadel). Furthermore, won't the five fewer games played now make this Buckeyes’ team relatively fresher? I remember all the darn Hot Takes four months ago that the potential postponement of the fall season until the spring would be devastating to the “student-athletes” who did not get a full offseason to recover before the fall because the regular season is so grueling. These are just bullshit arguments. What edge Clemson has in being a bit more battle-tested is likely mitigated with Ohio State being a little fresher. The Buckeyes have been motivated by revenge for this potential rematch for over a calendar year — with QB Josh Fields particularly anxious to redeem himself from that late interception in their 29-23 loss in the College Football Semifinals. Clemson has been mediocre at running the football as they average just 163.8 rushing YPG (68th in the nation) with little explosiveness as they had only three rushes for more than 40 yards.

FINAL TAKE: The laptops think this is closer to a coin flip game — and I agree. It not often that the Buckeyes are getting around a touchdown — and they have covered the point spread in 20 of their last 27 games as an underdog when getting 3.5 to 7 points. They have also covered the point spread in their last 4 games played in January. 25* CFB Game of the Year with the Ohio State Buckeyes (333) plus the points versus the Clemson Tigers (334). Best of luck for us — Frank.

At 4:00 PM ET on Friday, we will be playing Over the Total in the game between the Notre Dame Fighting Irish (331) and the Alabama Crimson Tide (332) in the Rose Bowl in the College Playoff Semifinals. THE SITUATION: Notre Dame (10-1) looks to bounce back from their 34-10 loss to Clemson in the ACC Championship Game as an 11.5-point underdog on December 19th. Alabama (11-0) won the SEC Championship on December 19th with their 52-46 win over Florida as a 16.5-point favorite.

REASONS TO TAKE OVER THE TOTAL: The Crimson Tide are going to score their share of points. They have scored at least 38 points in all eleven of their games while reaching at least 41 points in each of their games since their opening contest. They have the top Success Rate in the country which suggests they will convert first downs and score touchdowns in the Red Zone. Alabama has played 17 of their last 26 games Over the Total after scoring at least 42 points in their last game — and they have scored at least 11 of their last 16 games Over the Total after scoring at least 50 points in their last contest. And while they have scored at least 42 points in five straight games, they have then played 5 of their last 7 games Over the Total after scoring at least 42 points in four straight contests. They raced out to a 35-17 lead at halftime against Florida — and they have played 18 of their last 24 games Over the Total after leading by at least 17 points at halftime of their last game. Both Florida and OIe Miss proved that good offenses can move the ball against their defense: the Gators generated 462 yards of offense (with their 46 points) while the Rebels gained a whopping 647 yards against them for 48 points. The other nine teams Alabama played this season combined to average only 13.3 PPG along with just 4.5 Yards-Per-Play. The Tide’s defensive numbers appear inflated by a weak strength of schedule. Can Notre Dame approach 30 points in this game? I think so. The most impressive thing about their upset victory against Clemson was the 90-yard drive they executed late in the game to force overtime after the Tigers had rallied in that game after their offense slowed down. The Fighting Irish scored less than 27 just twice this season. Perhaps head coach Brian Kelly will try to slow this game down by running the ball? Well, he didn’t try that against Clemson in that upset win. And playing conservatively fails as soon as a team trails by double-digits — so the Irish may not have a choice in how aggressive they play. Notre Dame has played 4 of their last 5 games Over the Total after a loss by at least 20 points in their last game. And while that game finished Under the 58 point total, the Irish have then played 4 straight games Over the Total after playing a game that finished Under the Total. Furthermore, the Irish have allowed their last two opponents to average 6.4 and 8.2 Yards-Per-Play — and they have played 4 of their last 5 games Over the Total after allowing their last two opponents to average at least 6.25 YPP.

FINAL TAKE: Alabama has seen the Over go 22-8-2 in their last 32 games when playing on a neutral field — and they have played 7 of their last 9 games Over the Total in January. Notre Dame has played 5 of their last 6 games Over the Total when playing on the faster field turf rather than the grass field like at their home field. 25* CFB New Year’s Six Bowl Total of the Year with Over the Total in the game between the Notre Dame Fighting Irish (331) and the Alabama Crimson Tide (332). Best of luck for us — Frank.

At 4:00 PM ET on Thursday, we will be playing the Army Black Knights (212) plus the points versus the West Virginia Mountaineers (211) in the Liberty Bowl. THE SITUATION: Army (9-2) has won three straight games after their 10-7 upset win against Air Force as a 1-point underdog on December 19th. West Virginia (5-4) has lost three of their last five games after their 42-6 loss at Iowa State as a 6-point underdog on December 5th. This game will be played on a neutral field at Liberty Bowl Memorial Stadium in Memphis, Tennessee.

REASONS TO TAKE THE BLACK KNIGHTS PLUS THE POINTS: This bowl game presents the Mountaineers the opportunity to redeem themselves from an embarrassing loss — but they have failed to cover the point spread in 7 of their last 11 games after losing by at least four touchdowns on the road in their last game. West Virginia had covered the point spread in their previous three games before that bad loss to the Cyclones — but they have then failed to cover the point spread in 31 of their last 44 games after covering the point spread in three of their last four games. Now this team goes back on the road where they are 0-4 with an average losing margin of -15.2 PPG. The Mountaineers have scored only 14.8 PPG in those four road games. They are also scoring just 14.3 PPG in their last three games while averaging just 338.3 Yards-Per-Game during that span. West Virginia has a good statistical defense as they rank 13th in the nation by allowing just 126.2 rushing YPG. But they have surrendered 183 rushing YPG over their last three contests in getting exposed by Texas, TCU, and then Iowa State. Now this Mountaineers team faces a triple-option rushing attack for the first time since 2015. Furthermore, they will face this challenge without one of their best defensive players in linebacker Tony Fields, Jr. who opted out for this game to prepare for the NFL draft. Army should build off their momentum as they have covered the point spread in 4 of their last 5 games after a straight-up win. They also have covered the point spread in 5 of their last 6 games after not scoring more than 20 points in their last contest — and they have covered the point spread in 18 of their last 24 games after a contest where neither team scored more than 17 points. Additionally, Army has covered the point spread in 10 of their last 15 games after winning five or six of their last seven games. They will bring an outstanding defense into this game that ranks second in the nation by both holding their opponents to 14.0 PPG and by allowing just 271.1 total YPG. The Black Knights have the best statistical defense in the nation by limiting their opponents to just 149.9 passing YPG. And while those numbers were improved by facing four triple-option teams this season, they picked off 13 passes this season.

FINAL TAKE: Army is 5-1-1 ATS in their last 7 games in December — and they are 4-1-1 ATS in their last 6 games played on a neutral field. Head coach Jeff Monken will have his team ready to play. West Virginia is 3-13-1 ATS in their last 17 games in December and they have failed to cover the point spread in 6 straight bowl games. Furthermore, the Mountaineers have failed to cover the point spread in 11 of their last 12 games played on a neutral field when favored. 25* CFB Game of the Month with the Army Black Knights (212) plus the points versus the West Virginia Mountaineers (211). Best of luck for us — Frank.

At 8:15 PM ET on Monday, we will be playing Under the Total in the game between the Buffalo Bills (481) and the New England Patriots (482). THE SITUATION: Buffalo (11-3) has won four straight games with their 48-19 win at Denver last Saturday as a 6-point favorite. New England (6-8) has lost two games in a row after their 22-12 upset loss at Miami as a 1.5-point favorite at the kickoff of that game.

REASONS TO TAKE UNDER THE TOTAL: The Patriots have played 6 of their last 7 games Under the Total after a double-digit loss. New England has also played 20 of their last 27 games Under the Total after a straight-up loss — and they have played 20 of their last 26 games Under the Total after a point spread loss. The Patriots’ offense is sputtering with mediocre quarterback play combining with a lack of talent at the skill positions. They are generating just 271.3 total YPG in their last three games which is resulting in just 20.0 PPG. Head coach Bill Belichick has been coy this week about who his starting quarterback will be as he may use these final two games to let Jarett Stidham audition for the job next season now that they have been eliminated from the playoffs. Stidham is completing just 54.5% of his passes in limited action this season while lacking the mobility of Newton. New England has played 9 of their last 11 games Under the Total after not scoring more than 14 points in their last game. And while the Patriots have played six straight games Under the Total, they have played 5 of their last 6 games Under the Total after playing at least two straight Unders. New England is playing well on defense — they have held their last three opponents to just 15.3 PPG along with 319.7 YPG. They did give up 383 yards to the Dolphins last week but they have then played 4 straight games Under the Total after allowing at least 350 yards in their last game. Now after playing their last three games on the road, the Patriots return home where they holding their guests to just 19.3 PPG. New England has played 7 of their last 8 games Under the Total after playing their last two games on the road — and they have played 10 of their last 11 games Under the Total after losing two in a row away from home. The Patriots have played 5 of their last 6 games Under the Total at home — and they have played 4 of their last 5 home games Under the Total against teams with a winning record on the road. The Patriots have also played 4 straight games Under the Total as an underdog. Buffalo has played 4 straight games Under the Total after a win by at least two touchdowns. And while the Bills have covered the point spread in six straight games, they have then played 8 of their last 12 games Under the Total after playing at least two straight Unders. Buffalo held the Broncos to just 255 yards of offense including only 115 yards in the air. The Bills have then played 4 straight games Under the Total after allowing no more than 150 passing yards in their last game. Buffalo has steadily improved their play on defense after seeing some significant turnover from that unit from last season. They have held their last three opponents to just 19.3 PPG along with 293.7 total YPG. Head coach Sean McDermott is making things easier on his defense by leaning more on their running game. The Bills are second in the NFL in passing but just 21st in rushing YPG. But Zack Moss rushed for 81 yards last week which was a season-high for the former Utah running back. Look for Buffalo to use this game to continue to develop and fine-tune their ground game as they prepare to make a deep playoff run — and this commitment to running the football will burn time off the clock to help our Under. The Bills have played 11 of their last 14 games Under the Total with the number in the 42.5 to 49.5 range — and they have played 7 of their last 8 games Under the Total on the road with the total in that 42.5 to 49.5 point range.

FINAL TAKE: Buffalo won the first meeting between these two teams by a 24-21 score on November 1st. New England has played 8 of their last 9 games Under the Total when playing with revenge — and they have played 6 straight games Under the Total when avenging a loss on the road. 25* AFC East Total of the Year with Under the Total in the game between the Buffalo Bills (481) and the New England Patriots (482). Best of luck for us — Frank.

At 8:20 PM ET on Sunday, we will be playing Over the Total in the game between the Tennessee Titans (479) and the Green Bay Packers (480). THE SITUATION: Tennessee (10-4) has won four of their last five games with their 46-25 win over Detroit last Sunday as a 9.5-point favorite. Green Bay (11-3) has won four straight games as well as six of their last seven with their 24-16 win over Carolina as a 9.5-point favorite last Saturday.

REASONS TO TAKE OVER THE TOTAL: The Titans have scored at least 30 points in five straight games while averaging a robust 37.4 PPG over that stretch. Yet the Tennessee defense has allowed at least 24 points in five of their last six games. The Titans lack a pass rush — even when their supposed specialist, Jadeveon Clowney was not on Injured Reserve. When Tennessee takes the lead, their opponents are able to keep scoring relying on their passing attack. The Titans are 29th in the NFL by allowing 276 passing YPG — and opposing quarterbacks are completing 66% of their passes against their defense. Tennessee is 27th in the league by allowing 390.5 total YPG — and they are giving up 414.0 YPG over their last three contests. The Over is 18-7-1 in the Titans’ last 26 games after a straight-up win — and the Over is 6-0-1 in their last 7 games after a point spread victory. Furthermore, Tennessee has played 4 straight games Over the Total after a win by at least two touchdowns. Additionally, the Over is 5-1-1 in their last 7 games after scoring at least 30 points in their last game. And while the Titans ran for 195 yards led by Derrick Henry’s 147 yards, they have played 4 straight games Over the Total after rushing for at least 150 yards in their last game. Henry’s rushing sets up Ryan Tannehill’s play-action passing — there is a reason that Tennessee is scoring 31.1 PPG. They go back on the road where they have played 4 of their last 5 games Over the Total on the road. Green Bay is scoring 31.0 PPG themselves. They have played 9 of their last 13 games Over the Total after a point spread loss. And while the Packers have played three straight Unders, they have then played 21 of their last 30 games Over the Total after playing at least three straight games Under the Total. Their 24 points scored last week was the first time in their last five games where they did not score at least 30 points. Once Green Bay gets rolling with Aaron Rodgers under center, they are happy to engage in scoring contests if necessary. The Packers have played 19 of their last 27 home games Over the Total after winning at least four in a row. Furthermore, Green Bay has played 9 of their last 13 games Over the Total when listed in the +/- 3-point range. And while it might snow tonight at Lambeau Field, Rodgers has thrown 99 touchdown passes in his 43 games played inclement weather at home in Green Bay.

FINAL TAKE: Bad weather will also likely play right into the hands of Henry and the Titans’ play-action game — so I see the potential for snow as a net-plus regarding this Over play. Tennessee has played 5 straight games Over the Total as an underdog and 5 straight games Over the Total against teams with a winning record. And in their last 10 games played in December, the game finished Over the Total 8 times. 25* NFL Sunday Night Football Total of the Year with Over the Total in the game between the Tennessee Titans (479) and the Green Bay Packers (480). Best of luck for us — Frank.

A 4:05 PM ET on Sunday, we will be playing the Carolina Panthers (469) minus (or plus) the point(s) versus the Washington Football Team (470). THE SITUATION: Carolina (4-10) has lost three straight games as well as eight of their last nine contests after their 24-16 loss at Green Bay last Saturday as a 9.5-point underdog. Washington (6-8) saw their four-game winning streak snapped last Sunday with their 20-15 loss at home to Seattle.

REASONS TO TAKE THE PANTHERS MINUS (OR PLUS) THE POINT(S): The news that Alex Smith would be out for the Football Team leaving Dwayne Haskins as their starting quarterback is enough to push the Panthers from a 10*/20* range to a strong 25* play. Carolina is underrated. They have been in a position to win or tie the game in the fourth quarter in all eight of their losses — and they are a frustrating 2-8 in games decided by one scoring possession. Despite their record, the Panthers are only being outgained by -2.3 net YPG — and they are losing the yardage battle by just -1.7 net YPG in their seven road games. Despite losing three in a row, they have outgained their opponents by +21.6 net YPG after dominating the Packers last Saturday in that department by a 364 to 291 yardage margin. These are the underlying numbers of a team that would usually be 7-7. In an expected close game that will likely be decided in the fourth quarter, I will take Teddy Bridgewater over Haskins. The veteran is completing 69.8% of his passes for 3360 yards this season. Carolina has covered the point spread in 4 of their last 5 games after gaining at least 350 yards in their last game. And while they trailed at halftime last week by a 21-3 score, the Panthers have then covered the point spread in 29 of their last 41 games after not scoring more than a field goal in the first half of their last game. Now this team stays on the road where they have covered the point spread in 6 straight games. Washington has failed to cover the point spread in 13 of their last 18 games after a straight-up loss. And while the Football Team gave up 181 rushing yards to the Seahawks last week, they have then failed to cover the point spread in 8 of their last 11 games after allowing at least 150 rushing yards in their last game. Haskins completed 38 of 55 passes for 295 yards last week — but he also threw two interceptions. He is completing only 62.9% of his passes this season with just a 6.0 Yards-Per-Attempt average. He has five interceptions along with five touchdown passes. He also seems to have completely lost the confidence of the coaching staff and teammates. Remember, he was relegated to the third-string quarterback early in the season — he is starting this game only because of injuries to Smith and Kyle Allen. Haskins breaking COVID protocols by visiting an adult establishment last week does not inspire confidence about his leadership skills. The announcement that Smith cannot play was likely demoralizing for this team fighting for a playoff spot. The Football Team has failed to cover the point spread in 7 of their last 10 home games against a team with a losing record on the road.

FINAL TAKE: Carolina will be doubly motivated — not only to play the role of spoiler to Washington’s playoff hopes but in facing their former coach in Ron Rivera. While Rivera was well-liked, facing their old coach should ensure a spring in the steps of this Panthers team. 25* NFL Game of the Month with the Carolina Panthers (469) minus (or plus) the point(s) versus the Washington Football Team (470). Best of luck for us — Frank.

At 1:00 PM ET on Sunday, we will be playing the Pittsburgh Steelers (466) minus the points versus the Indianapolis Colts (465). THE SITUATION: Pittsburgh (11-3) is reeling with three straight losses after their embarrassing 27-17 upset loss at Cincinnati on Monday as a 14.5-point favorite. Indianapolis (10-4) has won three straight games as well as five of their last six contests after their 27-20 win against Houston as a 7.5-point favorite last week.

REASONS TO TAKE THE STEELERS PLUS (OR MINUS) THE POINTS: We had the Bengals as out AFC North Game of the Year — so I am well aware of the problems of this Steelers’ team right now. They are decimated by injuries at linebacker and their offensive line is beat-up. And Big Ben Roethlisberger looks old and cannot deliver the ball down the field. Got it. But this a good buy-low spot for Pittsburgh. Part of the problem with the Bengals’ game was that the Steelers were taking them lightly while it was the de-facto Super Bowl for Cincinnati. Pittsburgh did play better in the second half of that game but could not rally from the 17-0 hole they dug themselves at halftime. The Steelers have bounced-back to cover the point spread in 16 of their last 19 games at home after an upset loss to an AFC North rival — and they have covered the point spread in 16 of their last 22 games after a double-digit loss to a divisional foe. Part of the problem for Pittsburgh has been their lack of running game — their 86 rushing yards last week were the most they generated in their last four contests. But the Steelers have then covered the point spread in 6 of their last 8 games after not rushing for at least 100 yards in three straight games. Indianapolis has failed to cover the point spread in 5 of their last 8 games after winning at least three games in a row. Pittsburgh does expect a healthier James Connor for this game which should help them get their ground game going again. Indianapolis has failed to cover the point spread in 5 of their last 8 games after winning at least three games in a row. And while the Colts have covered the point spread in three straight games, they have then failed to cover the point spread in 9 of their last 12 games after covering the point spread in at least two straight games. Indianapolis defeated the Texans last week despite being outgained by -75 net yards after surrendering 42 yards. The Colts gave up 362 passing yards in that game — and they have failed to cover the point spread in 5 of their last 7 games after allowing at least 250 passing yards in their last contest. And while Indy has not allowed more than 90 rushing yards in three straight games, they have then failed to cover the point spread in 8 of their last 12 games after not allowing 100 or more rushing yards in at least three straight games. The Colts’ defense has taken a step back as of late as they have allowed their last three opponents to average 415.7 total YPG. Indy is also 0-3-1 ATS in their last 4 games as an underdog.

FINAL TAKE: Pittsburgh has covered the point spread in 6 of their last 8 games against AFC opponents. Look for a desperate and angry Steelers team to play their best game in a month. 20* NFL Indianapolis-Pittsburgh CBS-TV Special with the Pittsburgh Steelers (466) minus the points versus the Indianapolis Colts (465). Best of luck for us — Frank.

At 4:30 PM ET on Saturday, we will be playing Under the Total in the game between the San Francisco 49ers (459) and the Arizona Cardinals (460). THE SITUATION: San Francisco (5-9) has lost three straight games as well as six of their last seven contests after their 41-33 upset loss at Dallas as a 4-point favorite. Arizona (8-6) has won their last two games with their 33-26 win against Philadelphia last Sunday as a 6.5-point favorite.

REASONS TO TAKE UNDER THE TOTAL: The 49ers have played 5 of their last 6 games Under the Total after losing three games in a row. The Under is also 8-2-1 in their last 11 games after allowing at least 30 points in their last game. Turnovers are killing head coach Mike Shanahan’s team. The Niners have lost the turnover battle in three straight games while being burdened with a -2 or wore net turnover margin in two straight games. San Francisco has then played 5 of their last 6 games Under the Total after playing at least three games with a -1 or worse net turnover margin — and they have played 6 of their last 7 games Under the Total after playing two straight games with a -2 or worse net turnover margin. Third-string quarterback C.J. Beathard will be under center given injuries to Jimmy Garappolo and Nick Mullens. This is his first start since 2018. Look for Shanahan to commit to running the football to take some pressure off the former Iowa quarterback. San Francisco needs to limit turnovers since their defense is playing well. They are allowing only 311.0 net YPG in their last three games — and they hold their home hosts to just 286.3 total YPG. The Under is 4-1-1 in the Niners’ last 6 road games against teams with a winning record at home. The 49ers have also played 5 of their last 7 games Under the Total as an underdog — and they have played 4 of their last 5 games Under the Total as a road underdog. Arizona has played 5 of their last 6 games Under the Total after a win at home. And while Kyler Murray completed 27 of 36 passes for 406 yards last week against the Eagles, the Cardinals have played 5 of their last 7 games Under the Total after passing for at least 250 yards in their last game. Arizona tallied 526 total yards against Philly but they have then played 5 of their last 7 games Under the Total after gaining at least 350 yards in their last contest. The Cards’ defense gave up 305 yards to Jalen Hurts in the win — but they have played 6 of their last 7 games Under the Total after allowing at least 250 passing yards in their last game. Additionally, Arizona has played 6 of their last 7 games Under the Total against teams with a losing record — and they have played 11 of their last 16 games Under the Total as a favorite.

FINAL TAKE: The Cardinals have played 7 of their last 10 games Under the Total against teams from the NFC — and the Under is 3-1-1 in the 49ers’ last 5 games against fellow NFC West foes. Arizona won the first meeting between these two teams by a 26-20 score. Expect a similar result. 25* NFC West Total of the Year with Under the Total in the game between the San Francisco 49ers (459) and the Arizona Cardinals (460). Best of luck for us — Frank.

At 4:30 PM ET on Friday, we will be playing Over the Total in the game between the Minnesota Vikings (451) and the New Orleans Saints (452). THE SITUATION: Minnesota (6-8) has lost two games in a row with their 33-27 loss to Chicago as a 2.5-point favorite last Sunday. New Orleans (10-4) has lost two games in a row after their 32-29 loss to Kansas City as a 2.5-point underdog last Sunday.

REASONS TO TAKE OVER THE TOTAL: The Vikings have played 6 straight games Over the Total after a straight-up loss — and they have played 5 of their last 6 games Over the Total after an upset loss. Minnesota did gain 397 yards in the loss — and they have played 4 straight games Over the Total after gaining at least 350 yards in their last contest. Kirk Cousins has been a turnover machine being responsible for 18 giveaways including his 13 interceptions which is tied for the second-most in the NFL. But he is leading an offense that has scored at least 27 points in four of their last five games. Yet the depleted Vikings’ defense has allowed at least 24 points in four of their last five contests. Minnesota is running out of linebackers. Both Eric Kendricks and Troy Dye are out for this game while Todd Davis is doubtful. Anthony Barr is already out the season — as is defensive end Danielle Hunter. The Vikings were already allowing 27.7 PPG to the dismay of head coach Mike Zimmer. Minnesota has played 6 of their last 8 games Over the Total against NFC opponents. New Orleans has played 6 of their last 7 games Over the Total after a straight-up loss. Additionally, the Saints have played 6 straight games Over the Total after a game where at least 50 combined points were scored. Drew Brees was rusty in his first game back on the field after missing four straight games with his rib injuries — but he played better as that game went on by leading his team to 20 points in the second half. New Orleans was outgained by -126 net yards but they have then played 4 straight games Over the Total after being outgained by at least -100 yards in their last game. The Saints’ defense has surrendered at least 179 yards in two straight games — and they have played 4 of their last  5 games Over the Total after allowing at least 175 rushing yards in two straight games. They stay at home where they have played 5 of their last 7 home games Over the Total. With Brees starting under center, the Saints have scored at least 24 points in all ten of his games — and they have scored at least 27 points in eight of those contests. And outside of a five-game stretch from November 8th through December 6th where the New Orleans’ defense allowed just 44 combined points, they allowed at least 23 points in each of their remaining nine games.

FINAL TAKE: Minnesota has played 6 of their last 7 games Over the Total when favored by 3.5 to 9.5 points. Expect New Orleans to at least reach their 28.4 PPG scoring average against this injury-ravaged Vikings’ defense with Cousins scoring enough points to keep it interesting. 25* NFL Fox-TV Total of the Month with Over the Total in the game between the Minnesota Vikings (451) and the New Orleans Saints (452). Best of luck for us — Frank.

At 7:00 PM ET on Wednesday, we will be playing the Florida Atlantic Owls (275) plus the points versus the Memphis Tigers (276) in the Montgomery Bowl. THE SITUATION: Florida Atlantic (5-3) aw their four-game winning streak snapped on December 10th with a 45-31 upset loss at home to Southern Mississippi as a 9.5-point favorite. Memphis (7-3) has won four of their last five games with their 30-27 upset win against Houston as a 7-point underdog on December 12th. This game is being played at Cramton Bowl in Montgomery, Alabama.

REASONS TO TAKE THE OWLS PLUS THE POINTS: FAU has suffered two straight upset losses with their setback to the Golden Eagles preceded by a 20-9 upset loss at Georgia Southern as a 2.5-point favorite. These disappointments should ensure that head coach Willie Fritz will have his team ready to play in this bowl game. After his unceremonious departure from Florida State last season, Fritz cannot afford to let up in the slightest. As it is, Florida Atlantic has covered the point spread in 4 straight games after getting upset twice in a row. They also have covered the point spread in 9 of their last 14 games after losing two games in a row by double-digits. And in their last 9 games after a point spread loss, the Owls have played 7 of covered the point spread in 7 of these games. FAU should be able to slow down the Tigers’ offensive attack. With former South Florida head coach Jim Leavitt as his defensive coordinator, the Owls have been outstanding on defense for most of the season. They rank 9th in the nation by allowing only 16.5 PPG — and they rank 15th in the FBS by giving up just 326.4 total YPG. This strong defensive play has helped them cover the point spread in 7 of their last 8 games against teams with a winning record — and they have covered the point spread in 5 of their last 6 games as an underdog. Memphis is 26th in the nation with a total offense that averages 451.5 YPG. But the Tigers have scored only 20.3 PPG in their last three contests while averaging just 296.7 total YPG. They managed just 300 total yards in their upset victory over Houston. Memphis has then failed to cover the point spread in 8 of their last 9 games after a straight-up win — and they have failed to cover the point spread in 5 of their last 7 games after a point spread victory. Additionally, the Tigers have failed to cover the point spread in 6 of their last 8 games after an upset win over an American Athletic Conference opponent — and they have failed to cover the point spread in 9 of their last 11 games after a narrow win by three points or less at home. Memphis goes back on the road for this bowl game where they have lost three of their four games this season while scoring just 17.0 PPG and averaging -80 YPG below their season average. Opt-outs have taken away some of the best skill position talents from the offense of Ryan Silverfield’s team in his first year as the head coach of the program. Running back Kenneth Gainwell along with wide receivers Damonte Coxie and John Williams are no longer with the team despite starting the year on the roster. The Tigers were outgained by the Cougars in their last game by -109 net yards but eked out that game with the help of an 85-yard fumble recovery for a touchdown. The Memphis defense is sketchy as they are allowing 448.7 YPG which is 102nd in the nation. The Tigers have failed to cover the point spread in 5 of their last 7 games against teams with a winning record — and they have failed to cover the point spread in 6 of their last 7 games as a favorite.

FINAL TAKE: Memphis has failed to cover the point spread in 13 of their last 16 games in December including five of their last six games. They also have failed to cover the point spread in 5 straight bowl games. FAU has won and covered the point spread in 4 straight bowl games — and they have covered the point spread in 6 straight games played on a neutral field. 25* CFB Group of Five Bowl Game of the Year with the Florida Atlantic Owls (275) plus the points versus the Memphis Tigers (276). Best of luck for us — Frank.

At 8:15 PM ET on Monday, we will be playing the Cincinnati Bengals (370) plus the points versus the Pittsburgh Steelers (369). THE SITUATION: Cincinnati (2-10-1) has lost five games in a row after their 30-7 loss at home to Dallas last Sunday as a 3-point underdog. Pittsburgh (11-2) has lost two games in a row with their 26-13 loss at Buffalo last Sunday night as a 2-point underdog.

REASONS TO TAKE THE BENGALS PLUS THE POINTS: This is a good opportunity to offer the reminder that we don’t bet on teams — we bet on point spreads. The Steelers are in no position to be a favorite of around two touchdowns to anybody right now. Pittsburgh has failed to cover the point spread in 31 of their last 44 games as a double-digit favorite — and they have failed to cover the point spread in 9 of their last 11 road games when favored by 10.5 to 14 points. Ben Roethlisberger is banged up right now. He denies he has a knee issue but he lacks any ability to move in the pocket and he is having difficulty planting his foot for deeper balls. Pittsburgh is limited to mostly quick passes which Roethlisberger is still good at. However, when opposing defenses can key-in on these quick strikes and lay off worrying too much about deep balls, then this approach can get stuck in the mud. The Steelers have not scored more than 19 points in three straight games. Pittsburgh is averaging only 294.7 total YPG during that stretch. To compound matters, the Steelers are getting very little from their running game. They have run for only 136 combined yards in their last three games. Pittsburgh has not rushed for more than 48 yards in five of their last seven games. James Conner has been injured but he ran the ball only ten times for 17 yards in his return to action last week. He is questionable tonight with the quad injury that has slowed him down. The Steelers have failed to cover the point spread in 5 of their last 7 games after failing to rush for at least 90 yards in their last game. And while these problems on offense has contributed to them playing four straight Unders, Pittsburgh has then failed to cover the point spread in 6 of their last 9 games after playing four straight Unders. Furthermore, the Steelers have failed to cover the point spread in 4 straight games on the road with the Total set in the 35.5 to 42 point range. And in their last 6 games in December, Pittsburgh has failed to cover the point spread all 6 times. Cincinnati should play well after their embarrassing effort at home. Not only have the Bengals covered the point spread in 7 of their last 10 games after a straight-up loss but they have covered the point spread in 9 of their last 13 games after a double-digit loss at home. Cincinnati has been pretty sneaky good at home this season before laying an egg against the Cowboys in that Andy Dalton revenge game. The Bengals have a 2-point loss to New England and a 3-point loss to Cleveland at home — and their two wins against Tennessee and Tennessee were at home. Cincinnati has covered the point spread in 4 of their last 5 games at home. They are down to their third-string quarterback tonight with Ryan Finley with Joe Burrow out the season and then Brandon Allen being declared out tonight with a knee injury. Finley has plenty of NFL experience — he has thrown 106 passes in the regular season for 549 yards with two touchdown passes. Finley cannot be much worse than Allen as the Bengals have not scored more than 17 points in five straight games — and they have covered the point spread in 11 of their last 16 games after not scoring more than 17 points in five straight games.

FINAL TAKE: Cincinnati will be looking to avenge a 36-10 loss at Pittsburgh on November 15th — and they have covered the point spread in 4 of their last 5 games when playing with same-season revenge. 25* AFC North Game of the Year with the Cincinnati Bengals (370) plus the points versus the Pittsburgh Steelers (369). Best of luck for us — Frank.

At 8:20 PM ET on Sunday, we will be playing the New York Giants (362) plus the point versus the Cleveland Browns (361). THE SITUATION: New York (5-8) saw their four-game winning streak snapped last week with their 26-7 loss to Arizona as a 3-point underdog. Cleveland (9-4) comes off their dramatic 47-42 loss to Baltimore on Monday Night Football as a 3-point underdog.

REASONS TO TAKE THE GIANTS PLUS THE POINTS: New York has plenty to play for in this game with a victory giving them a tie for first place in the NFC East after Washington lost to Seattle this afternoon. The Giants have covered the point spread in 4 of their last 5 games after a straight-up loss — and they have covered the point spread in 5 of their last 7 games after a loss by at least two touchdowns. New York has also covered the point spread in 6 straight games after a point spread loss. And while the Giants managed only 159 total yards last week, they have then covered the point spread in 11 of their last 15 games after not scoring more than 14 points in their last game. Daniel Jones was back under center last week but he might have been rushed back on the field with his hamstring injury. Jones has been a threat with his legs but that injury left him immobile in the pocket — he was sacked six times. The veteran Colt McCoy will be starter again tonight after he was the starter two weeks ago when the Giants upset Seattle on the road. The New York defense has been the catalyst to their improved play. They have held their last three opponents to jut 18.3 PPG along with 290.7 total YPG. The Giants have covered the point spread in 4 straight games against teams with a winning record — and they have covered the point spread in 7 of their last 8 games as an underdog. Cleveland is vulnerable to being satisfied with their competitive loss to the Ravens on Monday — this is a group that too often makes their own announcement as to just how good they are. Yet the Browns have failed to cover the point spread in 7 of their last 10 games after a point spread loss — and they are just 16-41-1 ATS in their last 58 games after a straight-up loss. Cleveland has also failed to cover the point spread in 4 of their last 5 games on a short week after playing on Monday Night Football. Despite their 9-4 record, the Browns are being outscored by -1.5 PPG. They go on the road where they are being outgained by -24.2 net YPG while being outscored by -6.9 PPG despite their 4-2 record. Cleveland has failed to cover the point spread in 10 of their last 12 games on the road — and they have failed to cover the point spread in 4 straight road games against teams with a losing record at home.

FINAL TAKE: The Browns have failed to cover the point spread in 6 of their last 8 games against teams with a losing record — and they have failed to cover the point spread in 4 of their last 5 games as a favorite. Cleveland may win this game — but this should be a close game. 25* NFL Non-Conference Game of the Month with the New York Giants (362) plus the point versus the Cleveland Browns (361). Best of luck for us — Frank.

At 1:00 PM ET on Sunday, we will be playing the Minnesota Vikings (358) minus the points versus the Chicago Bears (357). THE SITUATION: Minnesota (6-7) looks to bounce back from their 26-14 loss at Tampa Bay last week as a 7-point underdog. Chicago (6-7) snapped a six-game losing streak last Sunday with their 36-7 upset victory at home against Houston as a 1-point underdog.

REASONS TO TAKE THE VIKINGS MINUS THE POINTS: Minnesota has been very reliable when placed in the bounce-back mode as they have covered the point spread in 38 of their last 51 games after a straight-up loss — and they have covered the point spread in 6 of their last 7 games after a double-digit loss. The Vikings have also covered the point spread in 5 of their last 6 games after not scoring more than 14 points in their last game. Minnesota did get 162 rushing yards last week with Delvin Cook leading the way which is a good sign for this game as they have then covered the point spread in 5 of their last 6 games after rushing for at least 150 yards in their last game. They return home for the last time for this game where they are scoring a healthy 29.1 PPG while averaging 419.3 total YPG. The Vikings have covered the point spread in 37 of their last 56 home games with the total set in the 45.5 to 49 point range including covering the spread in five of these last six situations. Chicago enjoyed a transcendent game from Mitchell Trubisky who completed 24 of 33 passes for 267 yards with three touchdowns and no interceptions. But look for the Bears to take a step back as they have failed to cover the point spread in 7 of their last 10 games after a straight-up win — and they have failed to cover the point spread in 7 of their last 8 games after a point spread victory. Chicago has also failed to cover the point spread in 10 of their last 12 games on the road after a win by at least three touchdowns. And while the Bears dominated the Texans by outgaining them by +153 net yards, they have then failed to cover the point spread in 5 of their last 6 games after outgaining their last opponent by at least +150 net yards. That game was the first time that Chicago had met point spread expectations in their last five games — but they have failed to cover the point spread in 9 of their last 10 games after only covering the point spread once in their last four contests. They go back on the road where they are being outscored by -3.7 net PPG — and they have failed to cover the point spread in 24 of their last 33 road games with the Total set in the 45.5 to 49 point range. Despite the strong defensive effort last week, they have still allowed their last three opponents to score 27.3 PPG while averaging 372.0 total YPG. They have failed to cover the point spread in 5 of their last 7 games after not allowing more than 14 points in their last game. Additionally, Chicago has failed to cover the point spread in 5 of their last 7 games against teams with a losing record — and they have failed to cover the point spread in 4 of their last 5 games in December.

FINAL TAKE: The Bears have failed to cover the point spread in 6 of their last 7 games against NFC North foes — and the Vikings have covered the point spread in 4 of their last 5 games against divisional foes. Chicago will be playing with revenge on their minds after losing at home to Minnesota by a 19-13 score as a 3-point underdog — but the home team has still covered the point spread in 7 of the last 10 meetings between these two teams. 25* NFC North Game of the Year with the Minnesota Vikings (358) minus the points versus the Chicago Bears (357). Best of luck for us — Frank.

At 8:00 PM ET on Saturday, we will be playing the Florida Gators (240) plus the points versus the Alabama Crimson Tide (239). THE SITUATION: Florida (8-2) looks to rebound from their 37-34 upset loss at home to LSU last Saturday as a 24-point underdog. Alabama (10-0) completed their undefeated regular season last week with their 52-3 win at Arkansas as a 28-point favorite. This game will be played on a neutral field at Mercedes-Benz Stadium in Atlanta.

REASONS TO TAKE THE GATORS PLUS THE POINTS: Look for this Florida team to play one of their best games of the season after getting embarrassed last week in a game that ruined their college football playoff aspirations. The Tigers were extremely fortunate to win that when considering that they were outlined by -291 net yards. The win probability metrics given the underlying stats are quite low for LSU after that game — and they needed that personal foul penalty resulting from a thrown shoe after a Florida defensive stop to keep their winning drive alive that culminated in a 57-yard field goal. The Gators have bounced-back to cover the point spread in 8 of their last 10 games after suffering an upset loss at home as a double-digit favorite — and they have covered the point spread in 9 of their last 13 games after an upset loss to an SEC rival as a double-digit favorite. Florida has also covered the point spread in 12 of their last 15 games when playing on the road after a loss by a touchdown or less to a conference opponent. The Gators were without tight end Kyle Pitts in that game but he is expected to play and is the most dangerous target in their passing game. I am not sure that Florida can slow down the Alabama offense — although they have held their last three opponents to only 22.0 PPG and 324.3 total YPG. But Florida should be able to keep this game competitive due to their explosive offense behind quarterback Kyle Trask. The Gators racked up a whopping 609 yards last week against LSU. They are scoring 41.2 PPG while averaging 513.5 total YPG. Florida has covered the point spread in 10 of their last 13 games in expected higher scoring games with the Total set at 63 or higher. Trask is completing 70.2% of his passes for 3717 yards with 40 touchdown passes and only five interceptions. Alabama is playing their third straight game away from home. They have failed to cover the point spread in 5 of their last 8 games after winning at least eight of their last ten games. And while the Crimson Tide have covered the point spread in seven straight games, they have then failed to cover the point spread in 15 of their last 24 games after covering the point spread in six or seven of their last eight games. The Alabama offense appears unstoppable — but the Razorbacks did a decent job of holding them to 433 yards last week which is over 100 yards below their season average. One of their touchdowns came from an 84-yard punt return for a touchdown. And while the Tide has scored at least 42 points in four straight games, they have then failed to cover the point spread in 4 of their last 6 games after scoring at least 42 points in at least four games in a row. Alabama forced four Arkansas turnovers last week for a +3 net turnover margin — but they have then failed to cover the point spread in 27 of their last 45 games after forcing at least four turnovers in their last game and they have failed to cover the point spread in 3 of their last 4 games after enjoying a +3 or better net turnover margin in their last game.

FINAL TAKE: The Crimson Tide have failed to cover the point spread in 3 straight games when playing on a neutral field as a favorite in the 14.5 to 17 point range. Too many points to pass up for a team that will likely put up a big number on the scoreboard tonight. 25* CFB CBS-TV Game of the Year with the Florida Gators (240) plus the points versus the Alabama Crimson Tide (239). Best of luck for us — Frank.

At 4:30 PM ET on Saturday, we will be playing the Denver Broncos (346) plus the points versus the Buffalo Bills (345). THE SITUATION: Denver (5-8) snapped a two-game losing streak last Sunday with their 32-27 upset victory at Carolina as a 4-point underdog. Buffalo (10-3) comes off a high-profile victory last Sunday night against Pittsburgh by a 26-13 score as a 2-point favorite.

REASONS TO TAKE THE BRONCOS PLUS THE POINTS: The Bills doubled-up the Steelers score last week despite gaining only 334 yards of offense. But this Buffalo team may be due for an emotional letdown now facing a 5-8 Broncos team on the road. The Bills have failed to cover the point spread in 32 of their last 48 games after winning at least four of their last five games — including failing to cover the point spread in four of these last six circumstances. Buffalo has won ten of their thirteen games despite only outgaining their opponents by +11.6 net YPG. And while they are 4-2 in their six games on the road, they have a flat net PPG margin of 0.0 in those contests. The Bills have failed to cover the point spread in 10 of their last 15 road games when favored by 3.5 to 7 points. And while Buffalo is allowing opposing quarterbacks to complete 65.9% of their passes, the Broncos have covered the point spread in 11 of their last 14 games against teams who allow their opponents to complete at least 64% of his passes. Drew Lock comes off his best game in the NFL last week as he completed 21 of his 27 passes of 280 yards with four touchdown passes and no interceptions. He led an offense that generated 365 yards — and Denver has covered the point spread in 12 of their last 15 games after gaining at least 350 yards in their last game. And while the Broncos have lost four of their last six games, the Broncos have then covered the point spread in 11 of their last 13 games after losing four or five of their last six games. Denver has lost the turnover battle in five straight games — but they have then covered the point spread in 5 of their last 8 games after enduring a -1 or worse net turnover margin in at least four straight contests. The Broncos have suffered some key injuries on defense this season — but they have still held their guests to just 336.0 YPG when playing at home. This Denver is dealing with some significant injuries (and one suspension) — and they are particularly thin at cornerback for this game. That is certainly not ideal — but head coach Vic Fangio is a defensive coach who is as good as it gets in finding solutions. Remember, we are not betting teams, we are betting point spreads that take into account injuries before the market gets involved. The good news is that Denver does expect to have their vastly improved left tackle Grant Bolles as well as tight end Noah Fant available for this game (and I am not too worried about them not having their top place kicker, Brandon McManus, either — they have been working with a backup kicker after their quarterback debacle that left them without options a few weeks ago).

FINAL TAKE: Denver has covered the point spread in 7 of their last 9 games against AFC opponents — and they have covered the point spread in 5 of their last 7 games in December. Look for the Broncos to keep this game close as they embrace the role of the spoiler without any pressure in this game. 25* NFL Network Game of the Year with the Denver Broncos (346) plus the points versus the Buffalo Bills (345). Best of luck for us — Frank. 

At 12:00 PM ET on Saturday, we will be playing the Ohio State Buckeyes (229) minus the points versus the Northwestern Wildcats (230). THE SITUATION: Ohio State (5-0) takes the field again after remaining unbeaten this season two weeks ago with their 52-12 victory against Michigan State as a 21.5-point favorite. Northwestern (6-1) comes off a 28-10 win over Illinois as a 13.5-point favorite last Saturday. This game will be played on a neutral field at Lucas Oil Field in Indianapolis.

REASONS TO TAKE THE BUCKEYES MINUS THE POINTS: I am not a believer in the Wildcats. Their 6-1 start is impressive — but I suspect this is a team we would have made money on when fading them in their late Big Ten conference games after a start like this. Instead, with the COVID-shortened season, they show up in the Big Ten Conference Championship Game. Maybe head coach Pat Fitzgerald’s team makes it to this game under normal circumstances — but that is a testament to the weakness of the Big Ten West where Northwestern compiled their impressive stats in this shortened season. The only team that the Wildcats have played from the Big Ten East was a bad Michigan State team — and somehow Sparty scored 29 points against this supposed elite defense! Nebraska tallied 442 total yards against this Wildcats’ defense as well. I suspect Ohio State is going to expose this unit. And Northwestern simply does not have the talent on offense to reach 30 points the way Indiana did against the Buckeyes to keep things relatively close. Their quarterback Patrick Ramsey transferred away from the Hoosiers because he was losing his job to Michael Penix, Jr. who is a dynamic dual-threat. Ramsey is a classic drop-back passer who lacks mobility. And while he has passed for 1218 yards, he is averaging only 5.8 Yards-Per-Attempt with only nine touchdown passes and six interceptions in his seven starts. Northwestern scored only 22.7 PPG in their last three contests — and they average just 283.3 total YPG in their three games away from Evanston. Those are all ominous numbers for a team that has failed to cover the point spread in 4 of their last 5 games after a straight-up win — and they have failed to cover the point spread in 13 of their last 20 games after a point spread to cover as a double-digit favorite. They are also 2-7-1 ATS in their last 10 games after not allowing more than 20 points in their last game. The Wildcats did not force a turnover last week against the Illini — and they have failed to cover the point spread in 5 of their last 7 games after not forcing a turnover in their last game. And while they rushed for 411 yards last week while tapping into their younger running backs on their depth chart like freshman Cam Porter, they are just 1-4-1 ATS in their last 6 games after rushing for at least 200 yards in their last game. Ohio State’s defense has another level of athlete than what Illinois had to offer. The Buckeyes’ have been adjusting to life without Chase Young — but they still rank second in the nation in Expected Points Allowed per pass attempt. They are also holding opposing rushers to just 3.5 Yards-Per-Carry. They have covered the point spread in 10 of their last 13 games after a point spread win — and they have covered the point spread in 8 of their last 9 games after a point spread cover as a double-digit favorite. Ohio State has also covered the point spread in 9 of their last 10 games after not allowing more than 20 points in their last game — and they have covered the point spread in 8 of their last 10 games after not allowing more than 275 yards in their last game after holding Sparty to just 261 yards. They also have covered the point spread in 11 of their last 15 games after scoring at least 40 points in their last game. Led by quarterback Justin Fields, the Buckeyes are an offensive juggernaut who is scoring 46.6 PPG while averaging 532.4 total YPG. Additionally, Ohio State has covered the point spread in 12 of their last 17 games when favored.

FINAL TAKE: The Buckeyes have covered the point spread in 9 of their last 13 games played on a neutral field. Ohio State usually saves a few tricks for their rivalry game with Michigan that they still have yet to unveil since that game was canceled. And the Buckeyes need style points to ensure they are one of the four teams in the playoff. Expect a blowout where head coach Ryan Day never has his team take their foot off the proverbial gas pedal. 25* CFB Big Ten Game of the Year with the Ohio State Buckeyes (229) minus the points versus the Northwestern Wildcats (230). Best of luck for us — Frank.

At 8:00 PM ET on Friday, we will be playing the Oregon Ducks (251) plus the points versus the USC Trojans (252) in the Pac-12 Championship Game. THE SITUATION: Oregon (3-2) has lost two straight games entering this game after their 21-17 upset loss at California as a 9-point favorite on December 5th. USC (5-0) remained unbeaten last Saturday with their 43-38 win at UCLA as a 3.5-point favorite.

REASONS TO TAKE THE DUCKS PLUS THE POINTS: Oregon was placed into this game on Monday when the COVID outbreak in the Washington program forced them to pull out of that game. The Ducks thought they were going to be given the chance to earn the opportunity to play in this game with a showdown with the Huskies their scheduled game last week — but that game was canceled given the COVID issues in the Washington program. That game offered Oregon the chance to redeem themselves from suffering two straight upset losses at Oregon State and then at California two weeks ago. While the circumstances are less than ideal, this game does offer the Ducks the opportunity to salvage their season. Expectations were high for this group with 12 starters back from the team that finished 12-2 after winning both the Pac-12 Championship Game and then the Rose Bowl with a victory against Wisconsin. Oregon has covered the point spread in 4 of their last 5 games after a bye week. And while the Ducks have not covered the point spread in three straight games, they have then covered the point spread in 16 of their last 23 games after failing to cover the point spread in at least three straight games. Oregon outgained the Golden Bears in their last game by +97 net yards but red zone problems and a -2 net turnover margin held the Ducks back. Regression was expected for this team in the turnover department this season after they enjoyed a +16 net turnover margin last year. However, the Regression Gods may have overcorrected with Oregon ranking 123rd in the nation with a -1.40 net turnover margin per game. The Ducks are averaging 34.2 PPG which is 27th in the FBS — and they have covered the point spread in 4 of their last 5 games after failing to score at least 20 points in their last game. Oregon has covered the point spread in 4 straight games against teams with a winning record. They also have covered the point spread in 16 of their last 25 road games with the total set in the 63.5 to 70 point range. Furthermore, the Ducks have covered the point spread in 15 of their last 23 games on the road as an underdog of 3 points or less — and they have covered the point spread in 48 of their last 72 games when listed in the +/- 3-point range. USC was very fortunate to escape last week’s game with a victory as they were outgained by UCLA by -105 net yards. Over their last three games, the Trojans are being beaten in the yardage battle by -19.6 net YPG. The Bruins exposed a soft USC defense last week by amassing 549 total yards. The Trojans generated 364 of those yards allowed were in the air — but they have failed to cover the point spread in 10 of their last 14 games after allowing at least 280 passing yards in their last game. USC has also failed to cover the point spread in their last 3 games after allowing at least 42 points in their last contest. Sophomore Kedon Slovis did complete 30 of 47 passes for 344 yards last week but the Trojans are just 7-18-1 ATS in their last 26 games after passing for at least 280 yards in their last game — and they are 1-4-1 ATS in their last 6 games after scoring at least 40 points in their last game. And in their last 8 games in December, USC has failed to cover the point spread in 6 of these games. The Trojans have been benefited from a +7 net turnover margin this season — so the Regression Gods can kill two birds with one stone tonight with some bounces that go the Ducks' way.

FINAL TAKE: Oregon will have plenty of confidence in this game as they crushed USC last season by a 56-24 score on the Trojans’ home field with a packed stadium. The Ducks have covered the point spread in 5 of their last 7 meetings with USC. Don’t be surprised if they pull the upset — but (always!) take the insurance with the points. 25* CFB Fox-TV Game of the Year with the Oregon Ducks (251) plus the points versus the USC Trojans (252). Best of luck for us — Frank.

At 7:30 PM ET on Friday, we will be playing Under the Total in the game between the Nebraska Cornhuskers (207) and the Rutgers Scarlet Knights (208). THE SITUATION: Nebraska (2-5) looks to bounce back from their 24-17 upset loss at home to Minnesota last Saturday as a 9-point favorite. Rutgers (3-5) looks to build off their 27-24 upset win in overtime at Maryland last week.

REASONS TO TAKE UNDER THE TOTAL: The Cornhuskers have played 5 straight games Under the Total after a straight-up loss — and they have played 4 straight games Under the Total after a point spread setback. Nebraska has also played 4 of their last 5 games Under the Total after not scoring more than 20 points in their last game. This Cornhuskers’ offense averages only 22.4 PPG. They managed just 308 total yards against a Golden Gophers’ defense that has struggled this season. Their defense has played better as the season has moved on — they have held their last three opponents to just 25.7 PPG along with 347.0 total YPG which are much better numbers than the 30.6 PPG and 405.7 total YPG they have allowed for the season. They go back on the road where they have played 5 straight Unders. Nebraska has also played 4 of their last 5 games Under the Total against teams with a losing record — and they have played 19 of their last 27 games Under the Total as a favorite. Rutgers has played 20 of their last 27 games Under the Total after an upset win — and they have played 11 of their last 13 games Under the Total at home after an upset win as an underdog. The Scarlet Knights have also played 5 of their last 6 games Under the Total after a straight-up win — and they have played 7 of their last 9 games Under the Total after a point spread victory. Rutgers rushed for 224 yards last week in the victory — and they have played 6 straight games Under the Total after rushing for at least 200 yards in their last game. And while the Cornhuskers surrendered 206 yards on the ground last week, Nebraska has played 8 of their last 10 games Under the Total after allowing at least 200 rushing yards in their last game. Moving forward, the Scarlet Knights have played 4 straight home games Under the Total against teams with a losing record on the road — and they have played 7 straight games Under the Total in December.

FINAL TAKE: It will be cold in New Jersey tonight with the temperatures starting in the low-30s. Expect a quick game tonight with plenty of rushing plays. 25* CFB Big Ten Total of the Year within the game between the Nebraska Cornhuskers (207) and the Rutgers Scarlet Knights (208). Best of luck for us — Frank.

At 8:20 PM ET on Thursday, we will be playing Under the Total in the game between the Los Angeles Chargers (301) and the Las Vegas Raiders (302). THE SITUATION: Los Angeles (4-9) snapped a two-game losing streak on Sunday with their 20-17 win over Atlanta as a 3-point favorite. Las Vegas (7-6) has lost three of their last four games with their 44-27 upset loss at home to Indianapolis as a 2.5-point favorite.

REASONS TO TAKE UNDER THE TOTAL: The Under is a decisive 40-19-1 in the Chargers’ last 60 games after a straight-up victory — and they have also played 6 straight games Under the Total after a win by six points or less. The LA defense is ninth in the NFL by allowing 337.1 total YPG — and they have held their last three opponents to just 314.0 YPG. They held the Falcons to just 319 yards last week. The Chargers’ offense may be limited this week with running back Austin Ekeler and wide receivers Keenan Allen and Mike Williams all questionable with injuries. The reports this afternoon are that Ekeler will give it a go with his quad injury but that Allen and Williams are game-time decisions with their hamstring and back issues. Los Angles will also be without right tackle Bryan Bulaga who is ruled out with a concussion. These are not encouraging signs for an offense that is scoring only 12.3 PPG while averaging just 323.3 total YPG in their last three contests. The Chargers have played 5 of their last 8 games Under the Total with the number set at 49.5 or higher. They also have played 7 of their last 11 games Under the Total when playing on a short week on a Thursday. And in their last 26 games in December, the Under is 19-6-1. Las Vegas has played 7 of their last 9 games Under the Total after a game where at least 60 combined points were scored — and they have played 6 of their last 8 games Under the Total after allowing at least 40 points in their last game. The Under is also 9-3-1 in the Raiders’ last 13 games after a double-digit loss at home. Head coach Jon Gruden has a mess on his hands-on defense. Not only did he fire his defensive coordinator, Paul Guenther, this week after they allowed over 200 rushing yards for the second straight week, but injuries have ruled our four defensive starters tonight in defensive backs Johnathan Abram and Damon Arnette along with linebacker Nicholas Morrow and defensive end Clelin Ferrell. Las Vegas has passed for 368 and 345 yards in their last two games — and they have then played 9 of their last 12 games Under the Total. While there is little that Gruden and newly appointed defensive coordinator Rod Marinelli can do to fix the defensive issues, changing the game plan can ease the burden on the defense a bit. Look for the Raiders to run the ball to burn time off the clock to keep his defense off the field. Defensive coaches tend to think their players hit a wall after taking part in around 50 plays. Las Vegas has played 6 of their last 8 games Under the Total after allowing at least 175 rushing yards in two straight games. And while the Raiders have allowed their last two opponents to average 7.72 and 6.60 Yards-Per-Play, they have then played 10 of their last 13 games Under the Total after allowing their last two opponents to average at least 6.5 YPP. Las Vegas stays at home where they have played 6 of their last 8 home games Under the Total when favored. Furthermore, the Raiders have played 7 of their last 9 games Under the Total against teams with a losing record. The offense is scoring only 21.3 PPG over their last three games — and the Under is 12-4-1 in their last 17 games in December.

FINAL TAKE: The Chargers will be playing with revenge on their mind from a 31-26 loss at home to the Raiders on November 8th — and they have played 36 of their last 54 games Under the Total when avenging a loss where they allowed at least 28 points. These two teams have also played 6 of their last 8 meetings Under the Total. 25* NFL Thursday Night Football Total of the Year with Under the Total in the game between the Los Angeles Chargers (301) and the Las Vegas Raiders (302). Best of luck for us — Frank.

At 8:15 PM ET on Monday, we will be playing Under the Total in the game between the Baltimore Ravens (179) and the Cleveland Browns (180). THE SITUATION: Baltimore (7-5) snapped their three-game losing streak last Sunday with their 34-17 win over Dallas as an 8.5-point favorite. Cleveland (9-3) has won four games in a row with their 41-35 upset win at Tennessee as a 4-point underdog last Sunday.

REASONS TO TAKE UNDER THE TOTAL: The Ravens have played 5 of their last 7 games Under the Total after a straight-up win — and they have played 5 of their last 7 games Under the Total after a win by at least two touchdowns. And they have played 4 of their last 5 games Under the Total after a point spread victory. Baltimore did give up 388 yards of offense to the Cowboys — but they have then played 7 of their last 10 games Under the Total after allowing at least 350 yards in their last game. The Ravens’ recent losing streak took place while defensive tackles Calais Campbell and Brandon Williams were out with injuries — but they both returned last week for the Cowboys game. Campbell is listed as questionable with his calf injury but hopefully, he will play. Baltimore is allowing only 19.2 PPG this season which is 4th best in the league. The Ravens got the ground game cracking last week with 294 yards on a 7.9 Yards-Per-Carry average which they will certainly rev-up again tonight. That will burn time off the clock — and they have played 5 of their last 6 games Under the Total after scoring at least 30 points in their last game. Baltimore’s productivity on offense has dipped a bit after the season-ending injury to All-Pro left tackle, Ronnie Stanley. They are averaging 308.7 YPG with a 24.0 PPG scoring average over their last three games as compared to their 26.3 PPG and 337.9 YPG averages for the season. They go back on the road where they have played 6 of their last 8 games Under the Total — and they have played 4 of their last 5 road games Under the Total against teams with a winning record at home. Cleveland has played 14 of their last 20 games Under the Total after scoring at least 30 points in their last game — and they have played 20 of their last 29 games Under the Total after allowing at least 30 points in their last contest. The Browns return home where they are holding their opponents to just 18.8 PPG along with 306.2 total YPG. Cleveland has played 9 of their last 11 home games Under the Total against teams with a winning record on the road — and they have played 19 of their last 26 home games Under the Total as an underdog. And while the Browns have only covered the point spread twice in their last seven games, they have then played 21 of their last 30 home games Under the Total after failing to cover the point spread in five or six of their last seven games. Cleveland has also played 28 of their last 42 home games Under the Total in the final four weeks of the season. The Browns lead the NFL in rushing with a 158 rushing YPG average — they will be looking to control the time of possession as well. They have played 6 of their last 8 games Under the Total against teams with a winning record.

FINAL TAKE: Cleveland will be looking to avenge a 38-6 loss to the Ravens in the opening week of the season on September 13th. The Browns have played 25 of their last 36 home games Under the Total when playing with revenge from a same-season loss. These two teams have also played 6 of their last 8 meetings Under the Total. 25* AFC North Total of the Year with Under the Total in the game between the Baltimore Ravens (179) and the Cleveland Browns (180). Best of luck for us — Frank.

At 8:20 PM ET on Sunday, we will be playing the Pittsburgh Steelers (177) plus (or minus) the point(s) versus the Buffalo Bills (178). THE SITUATION: Pittsburgh (11-1) suffered their first loss of the season on Monday in their 23-17 upset loss at home to Washington as a 5.5-point favorite. Buffalo (9-3) has won two straight games as well as five of their last six contests with their 34-24 upset win at San Francisco as a 1.5-point underdog.

REASONS TO TAKE THE STEELERS PLUS (OR MINUS) THE POINT(S): The loss on Monday may have been a bit of a relief to head coach Mike Tomlin who has been complaining about the play of his team despite their unbeaten record before that setback. Tomlin likely had an attentive team this week in practice. Pittsburgh needs to get back to running the football more after putting too much pressure on Ben Roethlisberger to carry the offense with his arm. Big Ben has attempted at least 45 passes in five straight games. The talented wide receiving corps has been feeling the pressure with their league-leading 34 dropped passes this season. Fortunately, Tomlin expects his All-Pro center, Maurkice Pouncey, and running back James Conner back for this game just in time. This team should back to basics — run the ball, don’t ask too much of your quarterback, and lean your our outstanding defense. The Steel Curtain leads the NFL by allowing only 17.6 PPG this season — and they are third in the league by giving up only 300.5 total YPG. They have suffered injuries at linebacker with Bud Dupree joining Devin Bush in incurring a season-ending injury — but they still only allowed 13.3 PPG along with 247.7 YPG in their last three games. As it is, the Steelers have covered the point spread in 5 of their last 7 games after a point spread loss. Now Pittsburgh goes back on the road where they are 5-0 with an average winning margin of +9.2 PPG. The Steelers have covered the point spread in 4 of their last 5 games on the road — and they have covered the point spread in 7 of their last 10 road games with the Total set in the 42.5 to 49 point range. Furthermore, Pittsburgh has covered the point spread in 10 of their last 12 games as an underdog — and they are 18-7-1 ATS in their last 26 road games as an underdog. Buffalo may be due for a letdown after their high-profile win in prime-time on Monday. The Bills have failed to cover the point spread in 32 of their last 47 games after winning four of their last five games. Despite their 9-3 record, Buffalo is only outgaining their opponents by +3.4 YPG. The Bills’ defense has taken a step back this season as they are allowing 375.4 total YPG which is 21st in the league. This unit lost some key pieces from the group that was third in total defense last season — their heart-and-soil leader, Lorenzo Alexander, retired in the offseason and defensive linemen Jordan Phillips and Shaq Lawson along with cornerback Kevin Johnson were  all poached in free agency. Defensive tackle Star Lotuleilei then opted out because of COVID. These losses have left this Bills’ defense small — they are allowing their opponents to average 126.0 rushing YPG which is 9th worst in the league. The Niners’ offense led by Nick Mullens gained 402 yards against them on Monday — and they are just 1-4-1 ATS in their last 6 games after allowing at least 350 yards in their last game.

FINAL TAKE: Pittsburgh has covered the point spread in 6 of their last 7 games against teams from the AFC — and Buffalo has failed to cover the point spread in 4 of their last 5 games against AFC foes. 25* NFL Sunday Night Football Game of the Year with the Pittsburgh Steelers (177) plus (or minus) the point(s) versus the Buffalo Bills (178). Best of luck for us — Frank.

At 8:20 PM ET on Sunday, we will be playing Under the Total in the game between the Pittsburgh Steelers (177) and the Buffalo Bills (178). THE SITUATION: Pittsburgh (11-1) suffered their first loss of the season on Monday in their 23-17 upset loss at home to Washington as a 5.5-point favorite. Buffalo (9-3) has won two straight games as well as five of their last six contests with their 34-24 upset win at San Francisco as a 1.5-point underdog.

REASONS TO TAKE UNDER THE TOTAL: The Steelers have played 5 of their last 6 games Under the Total after a loss. The setback on Monday may have been a bit of a relief to head coach Mike Tomlin who has been complaining about the play of his team despite their unbeaten record before that setback. Tomlin likely had an attentive team this week in practice. Pittsburgh needs to get back to running the football more after putting too much pressure on Ben Roethlisberger to carry the offense with his arm. Big Ben has attempted at least 45 passes in five straight games. The talented wide receiving corps has been feeling the pressure with their league-leading 34 dropped passes this season. Fortunately, Tomlin expects his All-Pro center, Maurkice Pouncey, and running back James Conner back for this game just in time. This team should back to basics — run the ball, don’t ask too much of your quarterback, and lean your our outstanding defense. The Steel Curtain leads the NFL by allowing only 17.6 PPG this season — and they are third in the league by giving up only 300.5 total YPG. They have suffered injuries at linebacker with Bud Dupree joining Devin Bush in incurring a season-ending injury — but they still only allowed 13.3 PPG along with 247.7 YPG in their last three games. After playing their last two games at home, the Steelers go back on the road where the Under is 38-12-1 in their last 51 games. Pittsburgh has also played 27 of their last 38 games Under the Total on the road with the total set in the 45.5 to 49 point range — and this includes them playing their last five games Under the Total in those circumstances. The Under is also 4-1-1 in the Steelers’ last 6 games on the road as an underdog. Pittsburgh has also played 5 of their last 6 games Under the Total after playing their last two games at home. Buffalo surrendered 402 yards last week to the 49ers — and they have played 12 of their last 17 games Under the Total after allowing at least 350 yards in their last game. The Bills have covered the point spread in four straight games — and not only have then played 10 of their last 16 games Under the Total after winning at least two of their last three games but they have also played 7 of their last 10 games Under the Total after covering the point spread in their last two games. Additionally, Buffalo has played 10 of their last 12 games Under the Total with the number set in the 42.5 to 49 point range.

FINAL TAKE: The Steelers have played 9 of their last 12 games Under the Total in December — and the Bills have played 5 of their last 7 games Under the Total in December. 10* NFL Sunday Night Discounted O/U Deal with Under the Total in the game between the Pittsburgh Steelers (177) and the Buffalo Bills (178). Best of luck for us — Frank.

At 4:25 PM ET on Sunday, we will be playing Under the Total in the game between the Green Bay Packers (151) and the Detroit Lions (152). THE SITUATION: Green Bay (9-3) has won four of their last five games after their 30-16 win against Philadelphia as an 8-point favorite last Sunday. Detroit (5-7) comes off a 34-30 upset victory at Chicago as a 3-point underdog last Sunday.

REASONS TO TAKE UNDER THE TOTAL: The Lions have played 16 of their last 23 games Under the Total after a game where both teams scored at least 30 points. Detroit played with more energy and enthusiasm in their first game after being liberated from previous head coach Matt Patricia. Interim head coach Darrell Bevell has improved the atmosphere in the Lions’ locker room so expect a spirited effort from this team in playing the role of the spoiler at this point of the season. Detroit has lost four of their last six games — and they have then played 9 of their last 12 games Under the Total after losing four or five of their last six games. And while the Lions surrendered 389 yards to the Bears, they have then played 7 of their last 10 games Under the Total after allowing at least 350 yards in their last game. Detroit has allowed 71 combined points in their last two games with both contests going Over the Total — but the Lions have then played 5 of their last 7 gamed Under the Total after allowing at least 25 pints in two straight games and they have played 7 of their last 10 games Under the Total after playing two straight Unders. Additionally, Detroit has played 6 of their last 8 games Under the Total in the second half of the season against teams with a winning record. And while the Packers are allowing 24.9 Points-Per-Game this season, the Lions have played 8 of their last 10 games Under the Total in the second half of the season against teams who allow at least 24 PPG. Detroit has played 10 of their last 14 games Under the Total in December — and Green Bay has played 5 straight games Under the Total in December. The Packers have also played 4 of their last 5 games Under the Total after a point spread win — and they have played 6 of their last 9 games Under the Total after winning four of their last five games. Green Bay gained 437 yards last week against the Eagles — and they have played 4 of their last 5 games Under the Total after gaining at least 350 yards in their last game. The Packers held Philly to just a field goal in the first half last week — and they have then played 5 of their last 8 games Under the Total after not allowing more than 3 points in the first half in their last contest. And while Green Bay has scored at least 30 points in three straight games, they have then played 4 of their last 5 games Under the Total after scoring at least 30 points in two straight contests. Additionally, the Packers have played 4 of their last 5 games Under the Total against teams with a losing record. And while the Lions allow 29.8 PPG, Green Bay has played 8 of their last 11 games Under the Total in the second half of the season against teams who allow at least 24 PPG.

FINAL TAKE: The Packers won the first meeting between these two teams on September 20th by a 42-21 score — and Detroit has played 10 of their last 15 games Under the Total when avenging a loss on the road by at least three touchdowns. 25* NFC North Total of the Year with Under the Total in the game between the Green Bay Packers (151) and the Detroit Lions (152). Best of luck for us — Frank.

At 7:30 PM ET on Saturday, we will be playing the UCLA Bruins (438) plus the points versus the USC Trojans (437). THE SITUATION: UCLA (3-2)looks to build off their 25-18 upset win at Arizona State last Saturday as a 3-point underdog. USC (4-0) remained undefeated last Sunday with their 38-13 win at home against Washington State as an 11-point favorite.

REASONS TO TAKE THE BRUINS PLUS THE POINTS: This appears to be a much improved team in Chip Kelly’s third year with the program at UCLA. They are outscoring their opponents by +7.8 Points-Per-Game — and they are outgaining these opponents by +57.3 net Yards-Per-Game. The Bruins’ two losses to Colorado and Oregon were by just nine combined points. UCLA has the opportunity to play the role of spoiler against their crosstown rivals — and they are 4-1-2 ATS in their last 7 games after a straight-up win while also 6-1-2 ATS in their last 9 games after a point spread victory. They return home where are 2-0 this season with an average winning margin of +20.5 net PPG. The Bruins are averaging 228 rushing YPG which is 16th best in the nation. They have also not allowed more than 18 points in three of their last four games. A good running game along with strong defense is a good recipe to pull the upset. UCLA is 6-2-1 ATS in their last 9 games as an underdog — and they are 3-1-1 ATS in their last 5 games at home as an underdog. USC is just 8-17-1 ATS in their last 26 games after a straight-up win — and they have failed to cover the point spread in 6 of their last 8 games after a point spread victory. The Trojans have looked good in their last two games against Washington State and Washington — but they were shaky in their first two games. They needed to score two touchdowns in the final three minutes to get past Arizona State in their opening game — and then they only beat a terrible Arizona team by four points. The Wildcats have lost twelve straight games after their humiliating loss to the Sun Devils last night and the only time they stayed within single digits was against this Trojans team. USC has benefited from a +1.5 net turnover margin per game which is the second-best mark in the nation. The Trojans could not muster any semblances of a rushing attack last week against Washington State as they managed only five rushing yards. Quarterback Kedon Slovis did complete 25 of 32 passes for 287 yards with five touchdown passes last week but USC is just 7-18-1 ATS in their last 26 games after passing for at least 280 yards in their last game. Furthermore, the Trojans are just 16-35-2 ATS in their last 53 games on the road — and they are 1-5-1 ATS in their last 7 games when favored on the road. Head coach Clay Helton’s team has also failed to cover the point spread in 6 of their last 7 games in December.

FINAL TAKE: The home team has fared well recently in this series as the home team has covered the point spread in 12 of the last 17 meetings between these two teams. USC has not covered the point spread in 6 of their last 7 games in the Rose Bowl playing at UCLA. 25* CFB Pac-12 Game of the Year with the UCLA Bruins (438) plus the points versus the USC Trojans (437). Best of luck for us — Frank.

At 7:00 PM ET on Friday, we will be playing Over the Total in the game between the Arizona State Sun Devils (377) and the Arizona Wildcats (378). THE SITUATION: Arizona State (0-2) looks to bounce back from a 25-18 upset loss to UCLA as a 3-point favorite last Saturday. Arizona (0-4) has lost eleven games in a row going back to last season after their 24-13 loss at home to Colorado as a 9.5-point underdog last Saturday.

REASONS TO TAKE OVER THE TOTAL: The Sun Devils have played 4 of their last 5 games Over the Total after a straight-up loss. Arizona State has also played 5 of their last 6 games Over the Total after failing to score more than 20 points in their last game. The Sun Devils were flat last week after not playing for three weeks given COVID issues. They started slowly with just a field goal in the first half before getting their offense going in the second half. Behind sophomore quarterback Jaylen Daniels, Arizona State did generate 442 yards of offense. Now the Sun Devils go back on the road where they have played 4 straight games Over the Total against teams with a losing record on the road. Additionally, Arizona State has played 5 of their last 7 games Over the Total after a double-digit loss at home. The Wildcats were without sophomore quarterback Grant Gunnell who was injured on the first snap of their game with UCLA two games ago — but the word this afternoon from at least one Arizona beat writer is that he will return to the field tonight for this rivalry game. The Wildcats did gain 422 yards against the Buffaloes but struggled in the red zone. Arizona got 268 of those yards on the ground — and they have played 21 of their last 31 games Over the Total after rushing for at least 200 yards in their last game. Even if Gunnell does not play and head coach Kevin Sumlin calls on freshman Will Plummer to be his quarterback tonight, the Wildcats should have success against this depleted Sun Devils’ secondary that is 118th in the nation by allowing 286.5 passing YPG. Arizona State lost safety Aashari Crosswell for the season when he decided to opt-out to prepare for the NFL (after being suspended by the team to start the season). Arizona stays at home where they have played 5 of their last 6 home games Over the Total against teams with a losing record on the road — and they have played 7 of their last 10 games Over the Total against teams with a losing record overall. The Wildcats have also played 5 of their last 7 games Over the Total in December.

FINAL TAKE: Head coach Kevin Sumlin’s seat is red hot when it comes to his future with the Arizona program. This is a must-win for him — so expect him to pull out all the stops in being aggressive. These two teams have played 6 of their last 8 meetings Over the Total. 25* CFB Pac-12 Total of the Year with Over the Total in the game between the Arizona State Sun Devils (377) and the Arizona Wildcats (378). Best of luck for us — Frank.

At 8:20 PM ET on Thursday, we will be playing the Los Angeles Rams (102) minus the points versus the New England Patriots (101). THE SITUATION: Los Angeles (8-4) has won three of their last four games with their 38-28 win at Arizona as a 2.5-point favorite on Sunday. New England (6-6) has won two straight games as well as four of their last five contests with their 45-0 victory in Los Angeles against the Chargers.

REASONS TO TAKE THE RAMS MINUS THE POINTS: Los Angeles had their offensive clicking on all cylinders against the Cardinals. They held the ball for 38:53 minutes while cranking out 463 yards. Quarterback Jared Goff completed 37 of 47 passes for 351 yards. The Rams should build off their momentum for this game as they have covered the point spread in 5 straight games after gaining at least 350 yards in their last game — and they are 7-2-2 ATS in their last 11 games after scoring at least 30 points in their last game. Additionally, while LA generated 30 first downs against Arizona, they have then covered the point spread in 6 straight games after controlling the clock for at least 34 minutes while gaining at least 34 first downs in their last game. The Rams shined on defense as well as they held the Cardinals’ offensive attack to just 232 yards. Los Angeles has covered the point spread in 4 of their last 5 games after not allowing more than 250 yards in their last game — and they have covered the point spread in 6 of their last 8 games after outgaining their last opponent by at least 150 yards. They return home where they have covered the point spread in 6 of their last 7 games as a favorite laying 3.5 to 7 points. New England outclassed the Chargers last week despite only gaining 291 total yards. The Patriots scored two special teams touchdowns from a 70-yard punt return for a touchdown along with a 44-yard blocked field goal returned for a TD. But Bill Belichick’s team has not been very good at maintaining consistency as they are just 2-7-1 ATS in their last 10 games after a straight-up win — and they are 1-6-1 ATS in their last 8 games after a point spread victory. New England is also 0-4-1 ATS in their last 5 games after not allowing more than 14 points in their last game. The Patriots have simplified their game-plan with Cam Newton under center to be a run-first team that does not try to rely on his arm. Newton attempted only 19 passes on Sunday for a mere 69 yards. New England is third in the NFL by averaging 150.9 rushing YPG — but they now face the stout Rams’ defense that is third in the league by holding their opponents to just 93.1 rushing YPG. If the Patriots do not find success running the football, they lack a credible Plan B. Even if Newton was a better gunslinger at this point of his career, he lacks the weapons at wide receiver to be productive — especially against this Rams secondary which might be the best in the league. Despite their 6-6 record, Los Angeles is getting outgained in yardage this season.

FINAL TAKE: New England has failed to cover the point spread in 5 of their last 7 games in the final four weeks of the season — and the Rams are 6-1-1 ATS in their last 8 games in December. Head coach Sean McVay has been thinking about this opportunity to avenge his team’s loss in Super Bowl 53 for a long time. His team has a decided talent edge this time around. 25* NFL Thursday Night Football Game of the Year with the Los Angeles Rams (102) minus the points versus the New England Patriots (101). Best of luck for us — Frank.

At 8:05 PM ET on Tuesday, we will be playing Under the Total in the game between the Dallas Cowboys (483) and the Baltimore Ravens (484). THE SITUATION: Dallas (3-8) has lost five of their last six games after their 41-26 upset loss to Washington on Thanksgiving as a 2.5-point favorite. Baltimore (6-5) has lost three straight games as well as four of their last five contests after their 19-14 loss at Pittsburgh last Wednesday.

REASONS TO TAKE UNDER THE TOTAL: The Ravens’ loss to the Steelers came on the heels of them losing by a 30-24 score to Tennessee the previous week — and they have played 4 straight games Under the Total after losing two in a row by 6 points or less. Baltimore has also played 4 of their last 5 games Under the Total after a point spread victory. The Ravens do expect to get Calais Campbell back on their defensive line after he has missed time with a calf injury (and he was on the COVID list last week) — he took part in limited practice on Saturday. Baltimore may also get back defensive tackle Brandon Williams who is questionable but also took part in limited practice on Saturday. Getting one or both of those run stoppers will make a big difference for the Ravens defense that has taken a step back during their losing streak. Baltimore still ranks 3rd in the league by allowing only 19.5 PPG — and they rank 8th in the NFL by holding teams to 331.8 total YPG. The Ravens really miss left tackle Ronnie Stanley who is out the season with an ankle injury. His absence explains much of the reason why Baltimore is averaging 18.3 PPG in their last three games with just 294.0 total YPG over that span. Their offense does get Lamar Jackson back for this game — but remember that Cam Newton struggled both physically and mentally (COVID has been shown to negatively impact brain functioning with many sufferers complaining of being in a fog for an extended period of time even after recovery). Don’t expect Jackson to be back at 100% tonight. The Ravens will likely give a heavy dose of rushing attempts to J.K. Dobbins along with Mark Ingram who both were taken off the COVID list — and this commitment will likely decrease the number of possessions for both teams given the running clock. Baltimore has played 4 of their last 5 games Under the Total after not scoring more than 14 points in their last game. The Ravens return home where they have played 7 of their last 10 home games Under the Total as a favorite. Dallas has played 11 of their last 16 games Under the Total after a double-digit loss at home — and they have played 4 of their last 5 games Under the Total after a loss by at least two touchdowns. The Cowboys have also played 4 straight games Under the Total after a point spread loss. Dallas surrendered 41 points to the Football Team despite only giving up 338 yards in that game. Washington scored only of their touchdowns from a 15-yard interception return. The larger issue for the Cowboys is their offense that is scoring only 14.7 PPG in their last seven games. Dallas has only topped 19 points once in their last six games. To compound matters on that side of the ball, they will be without both Zach Martin and Cam Erving to injury after both offensive linemen played on Thanksgiving. On the road, the Cowboys are scoring just 18.2 PPG along with averaging 337.0 total YPG. Dallas has played 17 of their last 25 road games Under the Total as an underdog.

FINAL TAKE: Both of these teams are likely to focus on their running games tonight — even with the wide receiver talent that the Cowboys have, their coaches do not want Andy Dalton throwing more than 40 times in this game. Baltimore has played 9 of their last 10 home games Under the Total with the total set in the 45.5 to 49 point range. 25* NFL Fox-TV Total of the Year with Under the Total in the game between the Dallas Cowboys (483) and the Baltimore Ravens (484). Best of luck for us — Frank.

At 8:15 PM ET on Monday, we will be playing Under the Total in the game between the Buffalo Bills (485) and the San Francisco 49ers (486). THE SITUATION: Buffalo (8-3) has won four of their last five games after their 27-17 win over the Los Angeles Chargers last week as a 4.5-point favorite. San Francisco (5-6) snapped their three-game losing streak last Sunday with their 23-20 upset win in Los Angeles against the Rams as a 5-point underdog. With COVID regulations precluding football games to be played in Santa Clara County, the 49ers have moved to Glendale, Arizona for their temporary home with this contest being played in the Cardinals’ State Farm Stadium.

REASONS TO TAKE UNDER THE TOTAL: The Bills surrendered 367 yards to the Chargers in their victory last week — but they have played 12 of their last 17 games Under the Total after allowing at least 350 yards in their last game. That game still finished well below the 51.5 point total — and Buffalo has played 11 of their last 13 games on the road Under the Total after playing their last game below the number. The Bills defeated the Chargers despite a -2 net turnover margin — and they have played 6 of their last 9 games Under the Total after a game where they suffered a -2 or worse net turnover margin. The Buffalo defense should play better with the return of linebacker Matt Milano from injury. They go back on the road where they have played 36 of their last 53 road games as an underdog. The Bills have also played 18 of their last 24 games Under the Total as a dog. Additionally, Buffalo has played 5 of their last 7 games Under the Total in December — and they have played 4 of their last 5 games Under the Total for Monday Night Football. San Francisco has played 5 of their last 6 games Under the Total after a win over an NFC West rival — and they have played 3 straight games Under the Total after an upset victory over a divisional opponent. Despite a host of injuries all season, the Niners’ defense has been consistently strong under the guidance of defensive coordinator Robert Saleh — they are allowing only 315.2 total YPG which is 5th best in the NFL. San Francisco is 4th in the league by allowing just 206.7 passing YPG — and they got cornerback Richard Sherman back healthy last week in their upset win over the Rams where they allowed just 308 total yards. The 49ers also rank 6th in the NFL by holding opposing rushers to just 3.65 Yards-Per-Carry. The 43 combined points scored last week included a defensive touchdown for both teams. Nick Mullens was solid at quarterback in place of Jimmy Garoppolo as he completed 24 of 35 passes for 252 yards — but his mediocre 44.2 Quarterback Rating this season is below the 59.9 QBR that Garoppolo posted this season. Under Mullens, the Niners are scoring only 17.7 PPG while averaging just 322.0 total YPG in their last three games. While this is a technical home game for San Francisco, it is, in practice, a road game — and the 49ers are holding teams to just 18.7 PPG along with 274.0 total YPG when playing away from home. Furthermore, the 49ers have played 11 of their last 17 games Under the Total when lists in the +/- 3-point range.

FINAL TAKE: Buffalo has played 10 of their last 11 games Under the Total with the number set in the 42.5 to 49 point range — and San Francisco has played 5 of their last 7 games Under the Total with the number set in that point range. 25* NFL Monday Night Football Total of the Year with Under the Total in the game between the Buffalo Bills (485) and the San Francisco 49ers (486). Best of luck for us — Frank.

At 8:20 PM ET on Sunday, we will be playing Under the Total in the game between the Denver Broncos (475) and the Kansas City Chiefs (476). THE SITUATION: Denver (4-7) has lost three of their last four games with their 31-3 loss at home to New Orleans last week as a 17-point underdog. Kansas City (10-1) has won six games in a row after their 27-24 win at Tampa Bay last Sunday as a 3.5-point favorite.

REASONS TO TAKE UNDER THE TOTAL: The Chiefs have played 5 of their last 6 games Under the Total after playing a game where at least 50 combined points were scored. Kansas City has also played 4 of their last 5 games Under the Total after a point spread win. They return home where the Under is a decisive 29-9-1 in their last 39 home games against teams with a losing record on the road. And while the Chiefs score 32.0 PPG at home, they have played 12 of their last 15 home games Under the Total when laying 10.5 to 14 points. After Patrick Mahomes was asked to throw the ball 49 times last week, expect the offensive brain trust to run the ball more this week to take some pressure off of him — and that will burn time off the clock. The Kansas City defense is underrated as they rank 6th in the league by allowing 21.6 Points-Per-Game. The Chiefs have also played 5 of their last 6 games Under the Total in December. Denver has played 10 of their last 14 games Under the Total in December. The Broncos have also played 5 of their last 6 games Under the Total after allowing at least 30 points in their last game. Denver has held their last three opponents to just 290.7 total YPG. The Broncos have played three straight games that finished Under the Total — and they have played 11 of their last 14 games Under the Total after playing at least two straight Unders. And while Denver trailed at halftime by a 17-0 score, they have then played 6 of their last 7 games Under the Total after being behind at halftime by at least two touchdowns. The Broncos have also played 9 of their last 10 games Under the Total after losing three of their last four games. Moving forward, the Under is 13-5-1 in Denver’s last 19 games against teams with a winning record — and they have played 12 of their last 15 games Under the Total against familiar teams from the AFC West.

FINAL TAKE: The first meeting between these two teams finished with Kansas City winning by a 43-16 score on October 25th in Denver. Mahomes was limited to completing just 15 of 23 passes for 200 yards — the Chiefs scored touchdowns from their defense and special teams to reach the 40-point threshold. The Broncos have played 5 of their last 7 games Under the Total one playing with revenge from a loss at home — and they have played 7 of their last 8 games Under the Total when avenging a loss at home by at least three touchdowns. 25* AFC West Total of the Year with Under the Total in the game between the Denver Broncos (475) and the Kansas City Chiefs (476). Best of luck for us — Frank.

At 12:00 PM ET on Saturday, we will be playing the Auburn Tigers (412) plus the points versus the Texas A&M Aggies (411). THE SITUATION: Auburn (5-3) looks to rebound from their 42-13 loss at Alabama last Saturday as a 25.5-point underdog. Texas A&M (6-1) has won five games in a row with their 20-7 win over LSU last week as a 16-point favorite.

REASONS TO TAKE THE TIGERS PLUS THE POINTS: Auburn should pick themselves off the mat after getting thrashed by their in-state rival in the Iron Bowl. The Tigers have bounced back to cover the point spread in 6 of their last 8 games after a straight-up loss. They return home where they are a perfect 4-0 with an average winning margin of +17.0 PPG. Auburn has covered the point spread in 12 of their last 16 games at home. And while they had covered the point spread in their previous three games before getting blown out by the Crimson Tide, they have covered the point spread in 15 of their last 20 home games after covering the point spread in three of their last four games. It is not often that this program is getting the points at home — they have only been a home dog six times since 2016. Auburn has covered the point spread in 5 of those 6 games with four outright upset victories — and they have covered the point spread in 10 of their last 13 home games when getting the points. Furthermore, the Tigers have covered the point spread in 6 of their last 7 games in December. Texas A&M managed only 267 yards against LSU last week despite having the football for 33:32 minutes. The Aggies averaged a mere 3.76 Yards-Per-Play in that game. Texas A&M has failed to cover the point spread in 5 straight games after failing to gain more than 275 yards in their last contest. With their 6-1 record, the Aggies are in the college football playoff hunt — especially with Ohio State at risk of not playing a minimum of five Big Ten games to qualify for the Big Ten Championship Game (although the conference will change their rules to give the Buckeyes eligibility for that game, if necessary). But the pressure could be too much for this Texas A&M team that only beat Vanderbilt by 5 points earlier this season. The Aggies did flex their muscles on defense by holding the Tigers to just 267 yards — but they have failed to cover the point spread in 4 straight games after not allowing more than 275 yards in their last game. They also have failed to cover the point spread in 4 straight games after not allowing more than 20 points in their last game. Now Texas A&M goes back on the road where they have failed to cover the point spread in 13 of their last 17 road games with the total set in the 45.5 to 49 point range. And in their last 7 games against teams with a winning record, the Aggies have failed to cover the point spread 5 times.

FINAL TAKE: Texas A&M has only covered the point spread in 4 of their last 5 trips to Auburn to play the Tigers. Expect a close game. 25* CFB SEC Underdog of the Year with the Auburn Tigers (412) plus the points versus the Texas A&M Aggies (411). Best of luck for us — Frank.

At 8:30 PM ET on Friday, we will be playing the UL-Lafayette Ragin’ Cajuns (327) plus the points versus the Appalachian State Mountaineers (328). THE SITUATION: UL-Lafayette (8-1) has won five straight games after their 70-20 blowout victory at UL-Monroe as a 28.5-point favorite last Saturday. Appalachian State (7-2) looks to build off their 47-10 win over Troy as a 14-point favorite last week.

REASONS TO TAKE THE RAGIN’ CAJUNS PLUS THE POINTS: UL-Lafayette has had this game circled all year after losing to Appalachian State for the second straight year in the Sun Belt Conference Championship Game last season — and that loss was the fourth setback to the Mountaineers in the last two seasons after they also dropped the regular-season matchup between these two teams. The Ragin’ Cajuns have already punched their ticket to play in the conference championship for the third straight time in a row with the opportunity to avenge their only loss this season with a date against Coastal Carolina — but defeating this Appalachian State team remains a very high priority for head coach Billy Napier and the fourteen starters back from last season. UL-Lafayette should build off their momentum from last week as they have covered the point spread in 5 of their last 7 games after a win by at least 20 points. And while they generated 511 yards last week against the War Hawks, they have then covered the point spread in 12 of their last 17 games after gaining at least 450 yards in their last game. UL-Lafayette is averaging 5.8 Yards-Per-Carry which is 6th in the nation — and they have outrushed their last two opponents by at least +131 net rushing yards. The Ragin’ Cajuns have then covered the point spread in 10 of their last 12 games after outrushing their last two opponents by at least +125 net rushing yards. This team is undefeated on the road with a 5-0 mark — and they have covered the point spread in 4 of their last 5 games on the road. UL-Lafayette has also covered the point spread in 8 of their last 11 road games against teams with a winning record at home — and they have covered the point spread in 9 of their last 10 road games with the total set in the 49.5 to 52 point range. And in their last 11 games on the road as an underdog, the Ragin’ Cajuns have covered the point spread in 8 of these contests. Appalachian State has failed to cover the point spread in 4 straight games after a straight-up win — and they have failed to cover the point spread in 8 of their last 12 games after a win at home by at least four touchdowns. Furthermore, while the Mountaineers enjoyed a 34-10 halftime lead last week, they have then failed to cover the point spread in 9 of their last 12 games after leading by at least 24 points at halftime of their last game. Appalachian State rushed for 275 yards last week which helped to fuel their 554 total yards — but they have then failed to cover the point spread in 5 of their last 6 games after gaining at least 450 yards in their last game. The Mountaineers have also failed to cover the point spread in 9 of their last 12 games after rushing for at least 200 yards in their last contest. The scoring punch has been down this season for this team as their 32.8 PPG scoring average is -6.0 PPG below what they tallied last year even though eight starters are back from that unit. They stay at home where they have failed to cover the point spread in 8 of their last 11 home games with the Total set in the 49.5 to 52 point range. And in their last 9 games as a favorite, Appalachian State has failed to cover the point spread 7 times.

FINAL TAKE: I waited to get the weather update today for Boone, North Carolina, because I would be less enthusiastic about the Ragin’ Cajuns if the temperature dropped below 32 degrees with rain expected. The weather reports call for temperatures in the 40s during the game with the wind not much of a factor — and that should help the UL-Lafayette passing game. The Mountaineers have a new head coach this year in Shawn Clark who was an assistant to the Scott Satterfield and Eliah Drinkwater coached-teams of the previous two seasons that have dominated the Ragin’ Cajuns. The motivational edge for UL-Lafayette should make the difference tonight. 25* CFB Friday ESPN Game of the Year with the UL-Lafayette Ragin’ Cajuns (327) plus the points versus the Appalachian State Mountaineers (328). Best of luck for us — Frank.

At 3:40 PM ET on Wednesday, we will be playing Under the Total in the game between the Baltimore Ravens (279) and the Pittsburgh Steelers (280). THE SITUATION: Baltimore (6-4) has lost two games in a row as well as three of their last four contests after their 30-24 upset loss to Tennessee in overtime back on November 22nd. Pittsburgh (10-0) remained unbeaten this season on November 22nd with their 27-3 win at Jacksonville as an 11-point favorite.

REASONS TO TAKE UNDER THE TOTAL: This game has been rescheduled three times — and while the players may not be in optimal shape to play this game given limited practice time, the defensive game plans should be very fine-tuned — especially with this being a rematch from the Steelers’ 28-24 upset victory as a 4-point underdog on November 1st. Pittsburgh leads the NFL by allowing only 17.4 PPG — and they are second in the league by holding their opponents to just 4.94 Yards-Per-Play. The Steel Curtain has held their last three opponents to just 10.7 PPG along with only 299.0 total YPG. The Under is 17-5-1 in their last 23 games after a win by at least two touchdowns — and the Under is 38-18-2 in their last 58 games after a point prawn victory. The Steelers held the Jaguars to just 206 total yards in their last game — and the Under is 9-3-1 in their last 13 games after not allowing more than 250 yards in their last game. On offense, Pittsburgh did gain 373 yards against Jacksonville — and the Under is 30-11-2 in their last 43 games after gaining at least 350 yards in their last game. They will be without running back James Conner in this game who is on the COVID list. But the list for the Ravens is much longer — headlined by quarterback Lamar Jackson being out because of COVID. Robert Griffin III will be under center for Baltimore who leaves the offense even more limited in what they can do in the passing game. RG3 has just one start in the last three years — and it was against these Steelers’ last season when he completed only 11 of 21 passes for 96 yards in Week 17. The Ravens hopes to get J.K. Dobbins and Mark Ingram back off the COVID list this afternoon for this game. Baltimore will run the ball plenty in this game to burn time off the clock — they rushed the ball 47 times for 265 yards even with a healthy Jackson in the first meeting. The Ravens have played 10 of their last 16 games Under the Total after a game where at least 50 combined points were scored — and they have played 13 of their last 20 games Under the Total after a game that finished Over the Total. Baltimore has scored only 21.7 PPG while averaging 309.7 YPG over their last three games with their offensive missing their All-Pro left tackle Ronnie Stanley who is out the year with an injury. The Ravens defense surrendered 423 yards to the Titans — but they have played 7 of their last 9 games Under the Total after allowing at least 350 yards in their last game. Now Baltimore goes back on the road where they are allowing only 18.8 PPG along with 331.6 total YPG. They have played 5 of their last 7 games Under the Total on the road — and they have played 5 of their last 7 road games Under the Total against teams with a winning record at home.

FINAL TAKE: The Ravens have played 7 of their last 9 games Under the Total against fellow AFC opponents. The Under is 17-7-2 in the Steelers’ last 26 games against AFC foes — and the Under is 7-3-1 in their last 11 games against divisional opponents. 25* NFL NBC-TV Total of the Year with Under the Total in the game between the Baltimore Ravens (279) and the Pittsburgh Steelers (280). Best of luck for us — Frank.

At 8:15 PM ET on Monday, we will be playing Under the Total in the game between the Seattle Seahawks (275) and the Philadelphia Eagles (276). THE SITUATION: Seattle (7-3) snapped a two-game losing streak two Thursdays ago with their 28-21 win over Arizona as a 3-point favorite. Philadelphia (3-6-1) has lost two games in a row with their 22-17 loss at Cleveland last Sunday as a 2.5-point underdog.

REASONS TO TAKE UNDER THE TOTAL: The Eagles have played 4 of their last 5 games Under the Total after a point spread loss — and they have played 8 straight home games Under the Total after losing two of their last three games. Philadelphia managed only 315 yards in the loss to the Browns with QB Carson Wentz continuing to struggle. Wentz has a career-low 58.4% completion percentage along with a Passer Rating of 73.3 which is also a career-low. The Eagles are scoring only 19.0 PPG over their last three games while averaging just 291.3 total YPG. Wentz is flailing behind a disaster of an offensive line that has been ravaged with injuries. With the season-ending injury to Lane Johnson, Philly will be using their tenth different offensive line configuration for this game. The Eagles have allowed 40 sacks this season which is the most in the league — and they are last in adjusted sack rate. But the Philadelphia defense is playing better as of late. They have allowed 19.3 PPG over their last three games along with just 323.7 total YPG which is over -6 PPG and -19.0 net YPG below their season averages. Now the Eagles return home where they have played 16 of their last 21 games Under the Total. Philadelphia has also played 5 of their last 7 games Under the Total as an underdog. Furthermore, the Eagles have played 13 of their last 16 games Under the Total in November including six straight Unders. Seattle is also playing better on defense as of late after holding the Cardinals to just 314 yards of offense. Funny what happens when safety Jamal Adams gets healthy again while adding defensive lineman Carlos Dunlap from Cincinnati into the mix. The Seahawks have registered 16 sacks over their last four games. And while the 374.3 YPG they have allowed in their last three games since acquiring Dunlap which is over 60 YPG below their season average. Seattle also seemed to make a philosophical change last week to get back to running the ball more. They had 31 rushing attempts in that game which was more than the 28 pass attempts of Russell Wilson. Getting Carlos Hyde back at running back helped — he had rushed for 79 yards in his first game back from injury. Chris Carson returns to action tonight as well after he has been out for injury — so this should be a heavy ground game attack for the Seahawks. Wilson was beginning to make mistakes with turnovers feeling the pressure to carry the team with his arm — so head coach Pete Carroll dialed back the “Let Russ Cook” directives. Running the ball more also helps the defense — the commitment to running the football kept Kyler Murray only on the field for less than 25 minutes last week. Additionally, the ankle injury to right tackle Braden Shell will likely compel more rushing attempts from this team since he thrives in pass protection — and his replacement, Cedric Ogbuehi, struggles in that area. Now Seattle goes back on the road where they have played 7 of their last 9 road games Over the Total against teams who do not have a winning record at home. They also have played 9 of their last 13 road games Over the Total as the favorite. Additionally, while the Eagles are averaging only 5.5 Yards-Per-Attempt in the passing game, the Seahawks have played 22 of their last 29 road games Under the Total against teams who average no more than 5.7 YPA. And while Seattle averages 31.8 PPG, Philadelphia has played 7 straight home games Under the Total against teams who average at least 24 PPG.

FINAL TAKE: These two teams played twice last season in Philadelphia including the NFC wildcard game with both games ending in a 17-9 victory for the Seahawks. The Eagles have played 4 of their last 5 games Under the Total when playing on Monday Night Football. While I expect more than 26 combined points this time around, look for a lower-scoring game that stays below 50 combined points. Maybe even some scoring drives will (finally) have to settle for some field goals! 25* NFL Total of the Month with Under the Total in the game between the Seattle Seahawks (275) and the Philadelphia Eagles (276). Best of luck for us — Frank.

At 8:20 PM ET on Sunday, we will be playing the Chicago Bears (273) plus the points versus the Green Bay Packers (274). THE SITUATION: Chicago (5-5) has lost four games in a row after their 19-13 loss at home to Minnesota back on November 16th as a 3.5-point underdog. Green Bay (7-3) had their two-game winning streak snapped on Sunday with their 34-31 loss in overtime at Indianapolis as a 1.5-point underdog.

REASONS TO TAKE THE BEARS PLUS THE POINTS: Chicago scored only 6 points in the first half against the Vikings after not scoring in the first half of their last game against Tennessee — but this organization has covered the point spread in a decisive 53 of their last 83 gams after not scoring more than a touchdown in the first half in two straight games. The Bears managed only 149 total yards against Minnesota with just 124 of these yards in the air. Chicago has then covered the point spread in 8 of their last 10 games after failing to gain at least 150 yards in their last game — and they have covered the point spread in 5 of their last 7 games after not passing for more than 150 yards in their last contest. Nick Foles was knocked out of that game last week with a hip injury that will keep him out of this game. Mitchell Trubisky will be the starting quarterback in this game — and I think he should play better than he did earlier in the season. Trubisky has nothing to lose now so the pressure should be off. This will also be his first start with offensive coordinator Bill Lazor calling the plays since he took over those responsibilities two games ago for head coach Matt Nagy. Don’t be surprised if Trubisky is more active with his legs. The team will get running back David Montgomery back for this game as well which will be a big help — he leads the team with 472 rushing yards. Playing Green Bay may help since they are last in the NFL in Red Zone defense with opposing offenses scoring in 97% of their trips inside the Packers’ 20-yard line this season. The Bears’ defense should keep them in this game. They are 9th in the NFL by allowing 340.1 Yards-Per-Game — and they are holding their opponents to 20.9 PPG. Chicago has not allowed more than 96 rushing yards in seven straight games — and they have then covered the point spread in 8 of their last 12 games after not allowing more than 99 rushing yards in at least two straight games. Chicago has also covered the point spread in 9 of their last 14 games against fellow NFC North opponents. Green Bay blew a 28-14 lead last week against the Colts — and they have then failed to cover the point spread in 6 straight games after owning a two-touchdown or better halftime lead in their last game. Aaron Rodgers completed 27 of 38 passes for 311 yards in that game — but the Packers have failed to cover the point spread in 4 of their last 5 games after passing for at least 250 yards in their last game. Green Bay has averaged 6.8, 6.7, and 6.5 Yards-Per-Play in each of their last three games — but they have then failed to cover the point spread in 5 of their last 6 games after averaging at least 6.0 YPP in three straight games. Now the Packers return home where they have struggled in their last two games with a narrow 24-20 win over lowly Jacksonville and getting upset by the Vikings by a 28-22 score. Perhaps the team misses the fans in Lambeau Field? There will be an audience of up to 500 tonight consisting of friends and family — but that will not accomplish much regarding the energy level in the stadium. Green Bay has failed to cover the point spread in 5 of their last 7 home games when laying 7.5 to 14 points. The Packers have failed to cover the point spread in 4 of their last 5 games in November.

FINAL TAKE: Rodgers is just 6-12-1 straight-up in his last nineteen starts again teams with a top-ten defense. And while he is leading an offense that is third in seventh in total yardage, Chicago has won eight of their last eleven games when facing a top-ten offense. A Bears’ victory pulls them within one game of first place of the Packers in the NFC North — expect a close game. 25* NFC North Game of the Month with the Chicago Bears (273) plus the points versus the Green Bay Packers (274). Best of luck for us — Frank.

At 1:00 PM ET on Sunday, we will be playing the Minnesota Vikings (260) minus the points versus the Carolina Panthers (259). THE SITUATION: Minnesota (4-6) saw their three-game winning streak snapped last week with their 31-28 upset loss to Dallas as a 7-point favorite. Carolina (4-7) comes off a 20-0 shutout victory over Detroit last Sunday as a 3-point underdog.

REASONS TO TAKE THE VIKINGS MINUS THE POINTS: Minnesota has been very reliable when picking themselves up off the mat after a loss under head coach Mike Zimmer as they have covered the point spread in 38 of their last 51 games after a straight-up loss. The Vikings have also covered the point spread in 5 of their last 6 games after a loss at home — and they have covered the point spread in 5 of their last 6 games are a narrow loss by 6 points or less. Minnesota has been playing much better football as of late — and they still have an outside shot to make the playoffs. They have held their last three opponents to just 21.3 PPG along with 315.3 total Yards-Per-Game despite last week’s results. The Vikings have then covered the point spread in 7 of their last 8 games after allowing at least 30 points in their last contest. Kirk Cousins played well last week as he completed 22 of 30 passes for 314 yards with two touchdown passes and join interceptions. Running back Dalvin Cook has been sublime this season (when healthy) — he rushed for 115 yards with a touchdown on 27 carries last week. Minnesota gained 430 yards in the losing effort to the Cowboys — but they have then covered the point spread in 4 of their last 5 games after gaining at least 350 yards in their last game. The Vikings are scoring 27.0 PPG over their last three games while averaging 434.0 total YPG. Wide receiver Adam Thielen is out for this game with after a positive COVID test but I expect this to be the Cook show on the ground against a defense that allows opposing rushers to average 4.6 Yards-Per-Carry. Minnesota stays at home where they have covered the point spread in 22 of their last 32 home games against teams with a losing record on the road. Carolina is likely due for a letdown after their dominant performance against the hapless Lions. They have failed to cover the point spread in 6 of their last 8 games after a point spread victory. Additionally, the Panthers have failed to cover the point spread in 6 of their last 8 games after not allowing more than 14 points in their last game. And while they held Detroit (with an injured Matthew Stafford who had not practiced all week) to just 185 yards, they have then failed to cover the point spread in 8 of their last 10 games after not allowing more than 275 yards in their last game. Carolina is averaging only 332.0 total YPG in their last three contests — and they will be without running back Christian McCaffrey who was declared out with a shoulder injury for this game. The Panthers snapped a five-game losing streak with their win over the Lions — but they have failed to cover the point spread in 4 straight games after losing at least four of their last five games.

FINAL TAKE: The Panthers have failed to cover the point spread in 6 of their last 8 games against teams with a losing record. Minnesota has covered the point spread in 9 of their last 13 games in November under Zimmer’s leadership. 25* NFL Game of the Month with the Minnesota Vikings (260) minus the points versus the Carolina Panthers (259). Best of luck for us — Frank.

At 1:00 PM ET on Sunday, we will be playing Under the Total in the game between the Tennessee Titans (261) and the Indianapolis Colts (262). THE SITUATION: Tennessee (7-3) has won two of their last three games with their 30-24 upset victory at Baltimore last Sunday as a 6-point underdog. Indianapolis (7-3) has won two straight as well as four of their last five games after their 34-31 win over Green Bay last week as a 1.5-point favorite.

REASONS TO TAKE UNDER THE TOTAL: The Titans have played 7 of their last 11 games Under the Total after an upset victory in their last game. Despite the win last week, Tennessee has only averaged 23.7 PPG over their last three games while averaging a mere 315.0 total YPG. They will have revenge on their mind after losing at home to Indianapolis back on November 12th by a 34-17 score — and they have played 5 of their last 6 games Under the Total when avenging a loss by at least two touchdowns. Expect plenty of running from the Titans behind Derrick Henry in this rematch with the Titans the top rushing team in the NFL. That will burn time off the clock and shorter the number of possessions for both teams. Tennessee has also played 3 of their last 4 games Under the Total as an underdog of up to 3 points. The Titans are completing 65.3% of their passes this season — and they are playing a Colts team that has played 9 of their last 13 games Under the Total in the second half of the season against teams who are completing at least 64% of their passes. Indianapolis enjoyed a +2 net turnover margin against the Packers last week — and they have played 6 of their last 9 games Under the Total after producing a +2 net turnover or better margin in their last game. Indianapolis has scored 34 points in their last two games with both games going Over the Total with at least 51 combined points scored — but this sets up the Under as a nice contrarian play. The Colts have played 6 of their last 8 games Under the Total after scoring at least 25 points in two straight games — and they have played 6 of their last 8 games Under the Total after playing two straight Overs. Indy has also played 5 of their last 7 games Under the Total after seeing at least 50 combined points scored in their last two games. The Colts are top-five in defense by allowing only 20.8 PPG — and they hold their visitors to just 293.2 total YPG when playing at home.

FINAL TAKE: These two teams have played 14 of their last 19 games Under the Total when playing in Indianapolis. Expect this rematch to be lowering scoring than the one they played just 17 days ago. 25* AFC South Total of the Month with Under the Total in the game between the Tennessee Titans (261) and the Indianapolis Colts (262). Best of luck for us — Frank.

At 3:30 PM ET on Saturday, we will be playing Under the Total in the game between the Troy Trojans (213) and the Appalachian State Mountaineers (214). THE SITUATION: Troy (4-4) has lost two games in a row as well as three of their last four after their 20-17 upset loss to Middle Tennessee as an 11-point favorite. Appalachian State (6-2) looks to rebound from their 34-23 loss at Coastal Carolina last Saturday as a 3-point underdog.

REASONS TO TAKE UNDER THE TOTAL: The Trojans have played 9 of their last 13 games Under the Total after an upset loss. Additionally, Troy has played 5 straight games Under the Total after a straight-up loss — and they have played 5 of their last 6 games Under the Total after a point spread loss. Furthermore, the Trojans have played 5 straight games Under the Total after failing to score more than 20 points in their last game. Troy is scoring only 22.7 PPG in their last three games which is -5.3 PPG below their season average — and the 349.8 total YPG they average on the road is -54.3 net YPG below their season average. The Trojans have played 5 straight games Under the Total on the road. They have also played 10 of their last 11 road games Under the Total as an underdog. And in their last 4 games as an underdog getting 10.5 to 21 points, Troy has played all 4 games Under the Total. Appalachian State has played 6 of their last 8 games Under the Total after a point spread loss. The Mountaineers rushed for 204 yards in the loss to the Chanticleers — and they have then seen the Under go 9-1-1 in their last 11 games after rushing for at least 200 yards in their last game. Appalachian State is scoring 26.0 PPG while averaging 383.7 total YPG in their last three contests — and those numbers are -5.0 PPG and -61.7 net YPG below their season average. The Mountaineers defense has only managed to force one turnover in each of their last two games as well — and they have played 5 of their last 6 games Under the Total after not forcing more than one turnover in their last game. Appalachian State does return home where they are holding their opponents to just 17.8 PPG and 314.0 total YPG. The Mountaineers have played 4 straight games Under the Total as a favorite.

FINAL TAKE: Appalachian State has played 4 of their last 5 games Under the Total in November — and Troy has played 4 straight games Under the Total in November. 25* CFB Total of the Month with Under the Total in the game between the Troy Trojans (213) and the Appalachian State Mountaineers (214). Best of luck for us — Frank.

At 12:00 PM ET on Saturday, we will be playing the Ball State Cardinals (199) plus the points versus the Toledo Rockets (200). THE SITUATION: Ball State (2-1) has won two games in a row with their 31-25 victory over Northern Illinois on November 18th as a 14.5-point favorite. Toledo (2-1) comes off a 45-28 win at Eastern Michigan as a 6.5-point favorite on November 18th in midweek MACtion.

REASONS TO TAKE THE CARDINALS PLUS THE POINTS: Ball State is a veteran team with 14 starters back including six all-conference players from the group that was 4-4 in Mid-American Conference play last season. That team outgained their conference opponents by +31 Yards-Per-Game but too often stymied by bad luck. The Cardinals have been typically a dangerous underdog to keep their games close under head coach Mike Neu in his fifth year with the program. Ball State has covered the point spread in 4 straight games as an underdog — and they have also covered the point spread in 4 straight games on the road getting the points. Led by senior quarterback Drew Plitt along with another six senior starters on offense, the Cardinals are scoring 33.3 PPG this season while averaging 476.3 total YPG. The Cardinals have covered the point spread in 6 of their last 7 games against teams with a winning record — and they have covered the point spread in 4 of their last 5 road games against teams with a winning record at home. Toledo has failed to cover the point spread in 4 straight games after a win — and they have failed to cover the point spread in 5 of their last 6 games after a point spread victory. And while the Rockets went into halftime with a 24-7 lead over the Eagles, they have then failed to cover the point spread in 6 straight games after owning at least a 17-point halftime lead. Senior quarterback Eli Peters is questionable for this game wit the knee injury that knocked him out of last week’s game. Sophomore Carter Bradley came on as his understudy to complete 5 of 8 passes for 108 yards. Peters and Bradley combined for 298 passing yards — but Toledo has failed to cover the point spread in 7 of their last 8 games after passing for at least 280 yards in their last game. The Rockets have played their last two games Over the Total — but not only have they failed to cover the point spread in 7 of their last 10 games after scoring at least 40 points in their last game, they have also failed to cover the point spread in 8 straight games after playing two straight Overs. They return home to the Glass Bowl where they are just 4-11-1 ATS in their last 16 home games against teams with a winning record on the road.

FINAL TAKE: Ball State has covered the point spread in 6 of their last 7 trips to Toledo to face the Rockets. 25* CFB Mid-American Conference Game of the Month with the Ball State Cardinals (199) plus the points versus the Toledo Rockets (200). Best of luck for us — Frank.

At 3:30 PM ET on Friday, we will be playing the North Carolina Tar Heels (136) plus the points versus the Notre Dame Fighting Irish (135). THE SITUATION: North Carolina (6-2) has won two games in a row with their 59-53 victory over Wake Forest as a 13-point favorite back on November 14th. Notre Dame (8-0) returns to action after a bye week last week coming off a 45-31 win at Boston College as a 13-point favorite on November 14th.

REASONS TO TAKE THE TAR HEELS PLUS THE POINTS: With the Fighting Irish opening as the second-ranked team in the college football playoff, the pressure is on for this team to win out their remaining games to play in the ACC Championship Game with a win securing one of the four spots in the college football playoff. Yet Notre Dame has failed to cover the point spread in 10 of their last 15 games after winning at least eight games in a row. The Irish have also failed to cover the point spread in 14 of their last 22 games after playing a game where both teams scored at least 30 points. Notre Dame averaged 7.58 Yards-Per-Play to defeat the Eagles two weeks ago — but they have then failed to cover the point spread in 15 of their last 20 games on the road after averaging at least 7.25 Yards-Per-Play in their last game. The Irish have scored at least 31 points in four straight games — but they have then failed to cover the point spread in 12 of their last 18 games after scoring at least 31 points in four straight games. The foundation of this outstanding Notre Dame offense this season has been their offensive line that returned all five of their starters. But that chemistry and cohesion are now in flux with two starters on that line out for this game. Center Jarrett Patterson is out the season with a broken foot and right guard Tommy Kraemer, a four-year starter, is out this week after having an appendectomy. Those are ominous absences for a team that has looked vulnerable on defense in their last two games as they have surrendered 71 combined points in those games. North Carolina rallied from a three-touchdown deficit to defeat the Demon Deacons two weeks ago — and they have then covered the point spread in 4 straight games after a point spread loss. Sophomore quarterback Sam Howell completed 32 of 45 passes for 550 yards with six touchdown passes in the victory — and the Tar Heels have covered the point spread in 5 of their last 6 games after passing for at least 280 yards in their last game. North Carolina has a potent offense that should be able to keep up with the Irish. The Tar Heels rank 4th in the nation by averaging 563.4 total YPG — and their 43.1 PPG scoring average is 10th in the nation. North Carolina has struggled on defense — but they have covered the point spread in 6 of their last 8 games after allowing at least 40 points in their last game. They host this game in their final conference home game this season where they have covered the point spread in 4 of their last 5 games — and they have covered the point spread in 5 of their last 6 home games as an underdog. The Tar Heels have also covered the point spread in 25 of their last 32 home games against teams with a winning record on the road.

FINAL TAKE: North Carolina can play this game loose in the role of the spoiler in this one — and they are undefeated at home with a 4-0 mark while scoring 48.5 PPG and averaging a whopping 609.8 total YPG in those games. Expect a close game with the Tar Heels in a position to pull the upset. 25* CFB ACC Game of the Year with the North Carolina Tar Heels (136) plus the points versus the Notre Dame Fighting Irish (135). Best of luck for us — Frank.

At 4:30 PM ET on Thursday, we will be playing the Washington Football Team (123) plus the points versus the Dallas Cowboys (124). THE SITUATION: Washington (3-7) snapped their two-game losing streak on Sunday with their 20-9 victory over Cincinnati as a 2-point favorite. Dallas (3-7) ended a four-game losing streak last week with their 31-28 upset victory at Minnesota as a 7-point underdog.

REASONS TO TAKE THE FOOTBALL TEAM PLUS THE POINTS: One good game from the Cowboys has everyone jumping on their bandwagon — even though they were outgained by the Vikings last week by -54 net yards. Dallas has failed to cover the point spread in 4 of their last 5 games after a straight-up win — and they had failed to cover the point spread in 5 of their last 7 games after a narrow win by 6 points or less. The Cowboys have also failed to cover the point spread in 6 straight games after scoring at least 30 points in their last contest. Even after scoring 31 points last week, the Cowboys are averaging only 19.7 PPG along with 335.0 total YPG in their last three games. Dallas also surrendered 430 yards to the Vikings last week — and they have failed to cover the point spread in 4 of their last 5 games Under the Total after allowing at least 350 yards in their last game. The Cowboys are last in the league by allowing 31.8 PPG — and they are surrendering 36.8 PPG at home along with 396.2 total YPG. Dallas has failed to cover the point spread in 4 of their last 5 games at home — and the Cowboys have long been Fool’s Gold when favored at home as they have failed to pay off those winning tickets in 46 of their last 78 home games laying the points. Additionally, Dallas has failed to cover the point spread in 4 straight games as a favorite. The Cowboys have also failed to cover the point spread in 4 of their last 5 games against teams with a losing record — and they have failed to cover the point spread in 9 of their last 11 games when listed in the +/- 3-point range. Washington has covered the point spread in 5 of their last 7 games after a straight-up win. And while the Football team has only covered the point spread once in their last three games, they have then covered the point spread in 7 of their last 11 games after failing to cover the point spread in two of their last three games. Despite their losing record, Washington is outgaining their opponents by +8.2 net Yards-Per-Game. They have lost all three of their close games decided by one scoring possession. They are winless on the road despite outgaining those opponents by +19.0 net YPG. The Football Team has been the best pass defense in the league that is holding their opponents to just 195 passing YPG. Led by rookie defensive end Chase Young, Washington is tied for third in the NFL with 32 sacks. The offense should turn the ball over less with the veteran Alex Smith under center. While his mobility is not the same as it was before his leg injury last year, he is finding his rhythm as a passer again. Smith has thrown for 325 and 390 yards in his previous two games before completing 17 of 25 passes for 166 yards in the winning effort last week. The Football Team is averaging 397.0 total YPG in their last three games with Smith starting under center. And while the Cowboys are allowing 6.1 Yards-Per-Play this season, the Football team has covered the point spread in 20 of their last 25 games against teams that allow at least 6.0 YPP.

FINAL TAKE: Washington has covered the point spread in 9 of their last 13 trips to Dallas to play the Cowboys — and the underdog has covered the point spread in 28 of the last 41 meetings between these two teams in this rivalry. 25* NFC East Game of the Month with the Washington Football Team (123) plus the points versus the Dallas Cowboys (124). Best of luck for us — Frank.

At 12:30 PM ET on Thursday, we will be playing Under the Total in the game between the Houston Texans (121) and the Detroit Lions (122). THE SITUATION: Houston (3-7) has won two of their last three games with their 27-20 upset victory at home against New England last week as a 2.5-point underdog. Detroit (4-6) has lost three of their last four games with their 20-0 loss at Carolina as a 3-point favorite on Sunday.

REASONS TO TAKE UNDER THE TOTAL: The final injury reports make a push a solid Under play into a very good one on a short week. The Texan ruled out wide receivers Kenny Stills and Randall Cobb out this week their quad and toe injuries — leaving quarterback Deshaun Watson missing key weapons in a wide receiver corps that was already missing DeAndre Hopkins this season from that ill-fated trade that the now-deposed Bill O’Brien made in the offseason. Now Detroit has declared this morning that rookie running back DeAndre Swift will not play as he is not ready to return to action from the concussion he suffered two games ago. The Lions are already without wide receivers Kenny Golladay and Danny Amendola to injury. There just simply not much skill-position talent on the field for a game with the Total set in the 50s. Houston has played 8 of their last 13 games Under the Total after a win at home. The Texans did surrender 435 yards in their game on Sunday with the Patriots averaging 6.8 Yards-Per-Play. Houston has then played 9 of their last 14 games Under the Total after allowing at least 400 yards in their last game — and they have played 10 of their last 14 games Under the Total after allowing their last opponent to average at least 6.5 YPP. The Texans are averaging only 20.3 PPG along with 338.7 total YPG in their last three contests. They go back on the road where they are scoring 22.2 PPG while averaging just 329.8 total YPG. Houston has played a decisive 49 of their last 8 road games Under the Total in the second half of the season. Furthermore, Houston has played 9 of their last 13 games Under the Total as a favorite — and they have played 5 of their last 6 games Under the Total in November. Detroit has played 7 of their last 10 games Under the Total after a double-digit loss as a road favorite — and they have played 4 of their last 5 games Under the Total after an upset loss by at least two touchdowns as a road favorite. And while the Lions have only covered the point spread once in their last four games, they have then played 7 straight games Under the Total after failing to cover the point spread in three of their last four games. Detroit surrendered 374 yards to the Panthers’ offense quarterbacked by P.J. Walker — yet they have then played 7 of their last 10 games Under the Total after allowing at least 350 yards in their last game. On offense, the Lions have scored only 16.7 PPG over their last three games while averaging just 320.0 total YPG over that span. They managed only 185 yards last week. I suspect Matthew Stafford will be a starting quarterback in the playoffs next season — but it will not be in a Lions uniform. At this point of the season, he is very banged up — and he does not have enough weapons.

FINAL TAKE: The Lions were embarrassed by being shutout last week — but trying to fix all those problems on a short week when undermanned is too much to overcome. I think their defense will play better — but the loss of Swift for this game really hurts (and cemented my call this morning). 25* NFL CBS-TV Total of the Month with Under the Total in the game between the Houston Texans (121) and the Detroit Lions (122). Best of luck for us — Frank.

At 8:15 PM ET on Monday, we will be playing the Los Angeles Rams (473) plus the points versus the Tampa Bay Buccaneers (474). THE SITUATION: Los Angeles (6-3) has won two of their last three games with their 23-16 win against Seattle as a 3-point favorite last Sunday. Tampa Bay (7-3) has won four of their last five contests with their 46-23 victory in Carolina last Sunday as a 6-point favorite.

REASONS TO TAKE THE RAMS PLUS THE POINTS: Los Angeles benefited from a +2 net turnover margin in that game against the Seahawks — and they have then covered the point spread in 5 of the last 7 games after enjoying a +2 or better net turnover margin in their last game. The Rams also generated 389 yards of offense in that game — and they have covered the point spread in 4 straight games after gaining at least 350 yards in their last contest. Quarterback Jared Goff is only completing 62.8% of his passes on the road as compared to his 71.4% mark when playing at home — but he is averaging 7.7 Yards-Per-Attempt on the road versus his 7.5 YPA mark when at home His Quarterback Rating declines dips from a 97.2 mark at home to a 93.2 mark on the road — so perhaps the conventional wisdom that Goff has disparate home/road splits is a bit overplayed? He will not have his rock at left tackle in Andrew Whitworth who is out at least six weeks with a knee injury. But Los Angeles can lean on their elite defense that leads the league in points allowed (18.7 PPG), total yardage (296.4 YPG), Yards-Per-Play allowed (4.78), and opponent’s Passer Rating (81.0). This defense travels — they are holding their home hosts to just 276.2 total YPG. The Rams have covered the point spread in 8 of their last 12 games on the road with the total set in the 42.5 to 49 point range — and they have also covered the point spread in 4 of their last 5 road games as an underdog. Additionally, Los Angeles has covered the point spread in 4 of their last 5 games against teams with a winning record. Tampa Bay has failed to cover the point spread in 4 of their last 5 games after a straight-up win — and they are just 1-3-2 ATS in their last 6 games after a win by at least two touchdowns. And while the Buccaneers outgained the Panthers by +357 net yards, they have then failed to cover the point spread in 8 of their last 12 games after outgaining their last opponent by at least 200 yards. I don’t love this situation for Tampa Bay. Head coach Bruce Arians identified that his team was “really tired” having played ten straight weeks with a bye. Arians gave the team three days off which may help — but it is certainly not an advantage. The Bucs have also been listless in prime-time games with a 1-2 record with their lone win being their listless effort to begin the month at home against the Giants where they only won by a 25-23 score. Tampa Bay beats up on the bad teams in the league — they are 7-0 against teams with a defense ranked outside the top-ten in yards allowed while averaging 35.8 PPG in those contests. But they are winless in their three games against teams with a top-ten total defense while averaging just 15 PPG. Quarterback Tom Brady has been sacked 14 times this season — with nine of them occurring in their two games against New Orleans and their game against Chicago which accounts for their three losses. Led by Aaron Donald, the Rams began the week tied for second in the NFL with 31 sacks. Brady passed for 341 yards against the Panthers — but the Bucs are just 0-5-1 ATS in their last 6 games after gaining at least 250 passing yards in their last game. They return home to Tampa Bay where they are just 2-8-2 ATS in their last 12 games — and they have failed to cover the point spread in 8 of their last 9 home games when favored by up to 7 points. Furthermore, the Buccaneers are just 2-6-1 ATS in their last 9 games against teams with a winning record.

FINAL TAKE: Los Angels will also have revenge on their minds after getting blasted at home to the Buccaneers with Jameis Winston last year by a 55-40 score despite being a 9-point favorite in that September 29th game. That result may not matter much to Brady but it does to head coach Sean McVay and this Rams team. The Bucs are just 3-8-1 ATS in their last 12 games in November. 25* NFL Monday Night Football Game of the Month with the Los Angeles Rams (473) plus the points versus the Tampa Bay Buccaneers (474). Best of luck for us — Frank.

At 8:20 PM ET on Sunday, we will be playing Under the Total in the game between the Kansas City Chiefs (471) and the Las Vegas Raiders (472). THE SITUATION: Kansas City (8-1) has won four games in a row after their 33-31 win against Carolina two Sundays ago as a 10-point favorite. Las Vegas (6-3) has won three straight games with their 37-12 victory against Denver last week as a 3.5-point favorite.

REASONS TO TAKE UNDER THE TOTAL: The Raiders handed the Chiefs their lone loss of the season on October 11th with their 40-32 upset victory in Kansas City as a 10-point underdog. Las Vegas surprised the Chiefs’ defense by abandoning their ball-control conservative offense with several aggressive deep shots down the field from quarterback Derek Carr. The veteran Raiders’ signal-caller passed for 219 yards from deep throws which are — by far — his season-high in that category. Defensive coordinator Steve Spagnuolo will have his defense ready for these deep throws this time around. Look for the Jon Gruden offense to focus primarily on ball-control and winning the time of possession by running the ball and burning the clock. During their three-game winning streak, the Raiders have averaged 190.7 rushing YPG which is the second-best mark in the league over that span. They are averaging only 138 passing YPG during that span which is the second-lowest mark in the league. This commitment to the run has helped Las Vegas defense hold these last three opponents to just 14.7 PPG and 325.3 total YPG with opposing quarterback’s posting just a collective 68.1 Passer Rating. The Raiders have gained at least 160 rushing yards in three straight games — and they have then played 5 of their last 7 games Under the Total after rushing for at least 150 yards in three straight games. Las Vegas has also played 5 of their last 6 games Under the Total after a win over a divisional rival — and they have played 6 of their last 7 games Under the Total after a win by at least three touchdowns against an AFC West foe. The Raiders stay at home where the Under is 5-2-1 in their last 8 home games against teams with a winning record — and they have played 10 of their last 14 home games Under the Total as an underdog getting 7.5 to 10 points. Las Vegas did have a COVID scare this week but it looks like the only defensive player they will not have available is defensive lineman Clelin Ferrell. Kansas City has played 4 of their last 5 games Under the Total after a point spread loss. The Chiefs had also played 4 of their last 5 games Under the Total after scoring at least 30 points in their last game. The KC defense has continued to improve under Spagnuolo as they are allowing only 20.3 PPG this season. In their four road games, the Chiefs are holding their home hosts to just 18.3 PPG along with 331.0 total YPG. Kansas City has played 6 of their last 7 road games Under the Total — and they have played 4 of their last 5 road games Under the Total as a favorite. The Chiefs have also played 5 straight games Under the Total against teams with a winning record.

FINAL TAKE: These two teams have played 22 of their last 31 meetings Under the Total. Expect this rematch to be a lower-scoring game than the first meeting that saw 72 combined points scored. 25* AFC West Total of the Month with Under the Total in the game between the Kansas City Chiefs (471) and the Las Vegas Raiders (472). Best of luck for us — Frank.

At 1:00 PM ET on Sunday, we will be playing the Baltimore Ravens (406) minus the points versus the Tennessee Titans (405). THE SITUATION: Baltimore (6-3) looks to bounce back from their 23-17 upset loss at New England as a 7-point favorite last week for Sunday Night Football. Tennessee (6-3) also looks to rebound from a 34-17 loss at Indianapolis on Thursday Night Football last week where they were a 1-point underdog.

REASONS TO TAKE THE RAVENS MINUS THE POINTS: This is a revenge situation for Baltimore, who got clocked by the Titans in the AFC Divisional round last year at home by a 28-12 score despite being a 10-point favorite. Derrick Henry ran right over the Ravens’ defense with 195 rushing yards in that game. After having the interior of their run defense exposed like that, Baltimore signed defensive linemen Calais Campbell and Brandon Williams to shore up that part of their defense. Problem solved, right? Unfortunately, injuries will keep both of those players out for this game. So, fade the Ravens then, right? Well, not so fast. Sure, I wish those players were available — but it was not just Henry that did in Baltimore in that playoff game. QB Lamar Jackson committed three turnovers in that game, while the Ravens failed to convert on several 4th down opportunities that played a significant role in shifting the momentum of that game. If Lamar plays better — and the offense executes at a higher level — then Baltimore should take the Titans out of the position where they can pound the rock to Henry. The Ravens are outscoring their opponents by +8.8 PPG due to their strong defense that is holding their opponents to just 18.3 PPG along with 323.0 total YPG. Baltimore’s defense is even stingier at home where they limit their guests to only 17.8 PPG along with just 312.3 YPG. Additionally, the Ravens have held their last three opponents to 289.3 total YPG. They outgained the Patriots last week by +49 net yards but they lost the turnover battle and weather played a major role in that game. This remains a team that has covered the point spread in 6 of their last 8 games in November. Tennessee has failed to cover the point spread in 4 of their last 5 games after a loss to an AFC South rival — and they have failed to cover the point spread in 6 of their last 8 games after a loss by at least two touchdowns. And while the Titans surrendered 293 passing yards to the Colts, they have then failed to cover the point spread in 6 of their last 7 games after allowing at least 250 passing yards in their last game. This Tennessee has regressed from that playoff game last year — they are allowing 398.1 total YPG this season. They are also dealing with a host of injuries themselves with potentially six starters out including defensive end Jadeveon Clowney and wide receiver Adam Humphries. Despite their 6-3 record, the Titans are being outgained by -24.8 net YPG this season. Over their last three games, they are being outscored by a touchdown while managing only 321.0 YPG which has translated into just 20.3 PPG. Now they go back on the road where they have failed to cover the point spread in 4 straight games — and they have failed to cover the point spread in 8 of their last 9 games with the Total set at 49.5 or higher. One final thing about this Titans team that should always be considered: they are simply a hot mess on special teams, especially with their punter and placekicker. A +10 net turnover margin is the reason why this team has overcome poor special teams play and losing the yardage battle to their opponents. But those turnover Gods are a fickle beast.

FINAL TAKE: The Titans have failed to cover the point spread in 6 of their last 8 games against AFC rivals — and the Ravens have covered the point spread in 11 of their last 15 games against AFC foes. I don’t love the injury situation for Baltimore — but it is not great with Tennessee either. The bottom line is that I will regret not investing in this situation at a 25* level. Let’s attack! 25* AFC Game of the Month with the Baltimore Ravens (406) minus the points versus the Tennessee Titans (405). Best of luck for us — Frank.

At 3:30 PM ET on Saturday, we will be playing the Central Florida Knights (344) plus the points versus the Cincinnati Bearcats (343). THE SITUATION: Central Florida (5-2) has won three straight games after their 38-13 win over Temple last week as a 28.5-point favorite last Saturday. Cincinnati (7-0) remained unbeaten last week with their 55-13 win over East Carolina as a 27.5-point favorite.

REASONS TO TAKE THE KNIGHTS PLUS THE POINTS: Central Florida has covered the point spread in 6 of their last 9 games after a victory where they did not cover the point spread as a favorite. After losing to Tulsa and Memphis, the Knights have rattled off three-straight wins while scoring 44.3 PPG in those games. This team is an offensive juggernaut under head coach Josh Heupel. They lead the nation by averaging a whopping 619.1 total YPG in their up-tempo attack. Sophomore quarterback Dillon Gabriel has found a nice rhythm as he has completed 57 of 95 passes for 1018 yards with nine touchdown passes and no interceptions. For the season, the lefty is completing 63.3% of his passes with 23 touchdown passes and just two interceptions while averaging 393.6 passing YPG which leads the nation. Their +129 net yardage edge over the Owls was the slimmest margin in their last three contests — and they have covered the point spread in 9 of their last 12 games after outgaining their last three opponents by at least +125 net yards. They have covered the point spread in 38 of their last 54 games after not allowing more than 20 points in their last game — and they have covered the point spread in 8 straight games after not allowing more than 14 points. Additionally, the Knights have covered the point spread in 4 of their last 5 games against teams with a winning record — and they have covered the point spread in 5 of their last 7 games as an underdog. Cincinnati has failed to cover the point spread in 5 of their last 8 games after covering the point spread as a double-digit favorite. The Bearcats benefited from a +3 net turnover margin against the Pirates — but they have failed to cover the point spread in 4 of their last 5 games after enjoying a +2 or better net turnover margin in their last game. Cincinnati has college football playoff aspirations on their minds — but they have failed to cover the point spread in 7 of their last 10 games after winning at least seven games in a row. And while they have covered the point spread in four straight games, they have then failed to cover the point spread in 5 of their last 7 games after covering the point spread in four or five of their last six games. The Bearcats have feasted on a soft schedule — their opponents have a combined 15-13 record with 11 of those victories coming from SMU and Memphis. The Bearcats are allowing only 12.4 PPG this season but they have yet to play an opponent who pushes the pace like the Knights. This Cincy may be overrated given their easy schedule. Tulsa ranks just ahead of them in Defensive Expected Points Allowed — and Central Florida put up 455 yards against the Golden Hurricane defense.

FINAL TAKE: UCF should put up plenty of points against the Bearcats who are not as comfortable playing in shootouts. Cincinnati has failed to cover the point spread in 13 of their last 18 games with the total set in the 63.5 to 70 point range — and they have failed to cover the point spread in 6 of their last 8 games away from home with the Total set in the 63.5 to 70 point range. The Bearcats upset the Knights last season by a 27-24 score at home as a 3.5-point underdog on October 4th — so this is a prime opportunity for UCF to exact some revenge. 25* CFB American Athletic Conference Underdog of the Year with the Central Florida Knights (344) plus the points versus the Cincinnati Bearcats (343). Best of luck for us — Frank.

At 7:00 PM ET on Friday, we will be playing the Louisville Cardinals (326) minus the points versus the Syracuse Orange (325). THE SITUATION: Louisville (2-6) has lost two straight games as well as six of their last seven contests after their 31-17 loss at Virginia as a 6.5-point underdog last Saturday. Syracuse (1-7) has lost five games in a row with their 16-13 loss to Boston College as a 14.5-point underdog two weeks ago on November 7th.

REASONS TO TAKE THE CARDINALS MINUS THE POINTS: Turnovers were the culprit for Louisville not being in a position to defeat the Cavaliers. Junior quarterback threw an interception that was returned for an 85-yard touchdown in the first quarter that served as a 10 to 14-point swing with the Cardinals in the red zone. Cunningham then fumbled in Virginia territory at the 8:22 minute mark in the fourth quarter to ruin a potential game-tying touchdown drive. Louisville outgained the Cavaliers by +110 net yards. Head coach Scott Satterfield’s team should bounce-back as they are 5-2-1 ATS in their last 8 games after a straight-up loss — and they are 5-1-1 ATS in their last 7 games after a point spread defeat. Furthermore, Louisville has covered the point spread in 5 straight games after not scoring more than 20 points in their last game. The Cardinals have been held back by a -12 net turnover margin with their 18 giveaways ranking 3rd most in the FBS. Louisville is outgaining their opponents by +48.5 net YPG this season which tracks with their preseason expectations. Satterfield returned 16 starters from last year’s 8-5 team. Defense was considered the biggest concern for this team but they did hold Notre Dame to only 12 points and they also held Florida State to just 16 points. Their return home where they are outgaining their opponents by +128.7 net YPG. They have covered the point spread in 4 of their last 5 home games as a favorite. Cunningham is a dynamic talent at quarterback who rushed for 197 yards with two touchdowns in the losing effort against the Cavaliers. He is completing 63.2% of his passes for 1907 yards with 15 touchdown passes but his nine interceptions are a problem — but he faces an Orange defense that has forced only one turnover in their last three games. Louisville averages 38.0 PPG along with 530.0 total YPG in their four home games — so they have the offensive firepower to blow Syracuse out. The Cardinals have covered the point spread in 3 straight games when favored by 10.5 to 21 points. Syracuse has failed to cover the point spread in 18 of their last 23 games after a loss by a touchdown or less again an ACC opponent — and they have failed to cover the point spread in 5 of their last 6 games after a point spread win. They have also failed to cover the point spread in 4 straight games after not allowing more than 20 points in their last game. The Orange managed only 240 yards of offense in the loss. Syracuse entered the season with only 11 starters back from last year’s 5-7 that finished only 2-6 in ACC play. Injuries and opt-outs have further decimated what was already a shaky roster. The Orange are now without their top two running backs from their original depth chart along with their top two defensive backs including safety Andre Cisco who enter the leading the nation with his 12 career interceptions (which correlates with the steep decline in the team’s takeaways). Syracuse also lost their starting quarterback Tommy Devito in mid-October. After three subpar starts from senior Rex Culpepper, head coach Dino Babers turned to a true freshman in JaCobian Morgan to make his first start against the Eagles two weeks ago. Morgan was OK that week — he completed 19 of 30 passes for 188 yards with a TD and an interception. But this is a tough assignment being asked to outduel Cunningham leading a team that is just 3-8-2 ATS in their last 13 games against teams with a losing record. Syracuse has also failed to cover the point spread in 37 of their last 58 games as an underdog getting 10.5 to 21 points.

FINAL TAKE: Louisville will not have their top running back, Javian Hawkins, who has opted-out for the rest of the season — but they expect to get their speedy junior Hassan Hill to return to action after missing the last three games. The Cardinals have covered the point spread in their last 4 opportunities to host the Orange. This may look like a lot of points to lay for a 2-6 team — but let’s trust the wisdom of the oddsmakers. 25* CFB Friday ESPN Game of the Month with the Louisville Cardinals (326) minus the points versus the Syracuse Orange (325). Best of luck for us — Frank.

At 8:20 PM ET on Thursday, we will be playing the Seattle Seahawks (322) minus the points versus the Arizona Cardinals (321). THE SITUATION: Seattle (6-3) has lost two straight games as well as three of their last four contests with their 23-16 loss in Los Angeles against the Rams as a 3-point underdog. Arizona (6-3) has won four of their last five games after their 32-30 win against Buffalo as a 3-point favorite.

REASONS TO TAKE THE SEAHAWKS MINUS THE POINTS: Seattle should respond with a strong effort tonight. They are a decisive 32-15-4 ATS in their last 51 games after a straight-up loss — and they have covered the point spread in 4 of their last 5 games after a loss to an NFC West opponent. They are also 12-5-2 ATS in their last 19 games after a point spread loss. Furthermore, the Seahawks have covered the point spread in 51 of their last 83 games after losing two games in a row. And while Seattle has not covered the point spread in their last two games, they have then covered the point spread in 7 of their last 10 games after not covering the point spread in two of their last three games. Injuries have hit this team hard. I did not make a call on this game until Thursday, given the potential attrition to tonight’s roster. Cornerbacks Quinton Dunbar and Shaquille Griffin along with running back Chris Carson are not expected to play. Starting center Ethan Pocic is also out tonight as he continues in the concussion protocol — and that is significant. But head coach Pete Carroll does expect backup center Kyle Fuller to play after the high ankle sprain he suffered on Sunday. That development was essential for me to endorse the Seahawks tonight. Carroll also expects wide receiver Tyler Lockett and running back Carlos Hyde to play as well. Quarterback Russell Wilson needs to reduce his turnovers after being responsible for seven in the last two games. Seattle has lost the turnover battle in these last two games — but they have then covered the point spread in 36 of their last 55 games after having a -1 or worse net turnover margin in two straight games. The Seahawks defense is worst in the league by allowing 448.3 total YPG — but this unit has been playing better despite the losing streak. They have held their last three opponents to 386.7 YPG which is more than 60 YPG below their current season average. Safety Jamal Adams has been injured but he did return to register seven tackles with two sacks and a forced fumble against the Rams. The Seahawks have also recently acquired defensive linemen Carlos Dunlap and Snacks Harrison who should both improve the pass rush and run defense for this team. Seattle returns home where they have covered the point spread in 5 of their last 7 games as a favorite — and they have covered the point spread in 5 of their last 6 home games with the total set at 49.5 or higher. The Seahawks are also 6-2-1 ATS in their last 9 games in November. Arizona needed the miracle Hail Mary play from Kyler Murray to DeAndre Hopkins to steal that victory over the Bills last week. Yet the Cardinals have failed to cover the point spread in 13 of their last 21 games after a win at home where they did not cover the point spread. Arizona is also dealing with a host of injuries — especially on their defensive line which makes me a bit less concerned about the Seattle offensive line. Defensive end Zach Allen went on the Injured Reserve with an ankle injury — he is the fourth defensive linemen to get placed on the IR for this team. Nose tackle Corey Peters is already out the season with a knee and Pro Bowl linebacker Chandler Jones is on the IR with his biceps injury. Now defensive end Jordan Phillips has been declared out with a foot injury for tonight. This Cardinals defense has declined as of late (they really miss Jones). They are allowing 32.7 PPG over their last three games along with 417.7 YPG with all three of those opponents scoring at least 30 points. Arizona has gained at least 438 yards in five straight games — but they have failed to cover the point spread in 4 straight games after gaining at least 375 yards in their last game. And while they have rushed for at least 159 yards in four straight games, they have then failed to cover the point spread in 8 of their last 9 games after rushing for at least 150 yards in their last game.

FINAL TAKE: Arizona has failed to cover the point spread in 6 of their last 9 games played on a Thursday night — and Seattle is 7-1-2 ATS in their last 10 games played on a Thursday night. 25* NFL Thursday Night Football Game of the Month with the Seattle Seahawks (322) minus the points versus the Arizona Cardinals (321). Best of luck for us — Frank.

At 7:00 PM ET on Tuesday, we will be playing Under the Total in the game between the Akron Zips (301) and the Kent State Golden Flashes (302). THE SITUATION: Akron (0-2) remained winless last week with their 24-10 loss at Ohio last Tuesday as a 27.5-point underdog. Kent State (2-0) is undefeated after their 62-24 win at Bowling Green last Tuesday as a 20.5-point underdog.

REASONS TO TAKE UNDER THE TOTAL: The Zips may still be winless in the 14 games coached by Tom Arth in his second season with the program — but there is reason for optimism. Arth has 70 new players on the roster consisting of transfers, redshirt freshman, and true freshmen from the group that was 0-12 last year. Six starters are back on defense along with eleven of the top sixteen tacklers — and Akron limited the Bobcats last week to just 307 yards of offense. The Zips have a solid rushing attack led by junior college transfer Teon Dollard who ran the ball 22 times for 165 yards against Ohio for a robust 7.5 Yards-Per-Carry average in that game. Akron ran for 218 yards last week to improve their rushing Yards-Per-Game average to a 173.0 clip for the season. The Zips should be able to shorten the length of this game with their rushing attack — they have played 6 of their last 7 games Under the Total after rushing for at least 200 yards in their last game. Arth has a redshirt freshman under center in Zach Gibson with the team’s senior three-year starter, Kato Nelson, recovering from shoulder surgery in August. As it is, the Zips have played a decisive 39 of their last 57 games Under the Total after a straight-up loss — and they have played 11 of their last 16 games Under the Total after a point spread victory. Akron has also played 27 of their last 38 games Under the Total after login two straight games against conference rivals. Now the Zips go back on the road where they have played 35 of their last 51 games Under the Total — and they have played 5 of their last 7 road games Under the Total against teams with a winning record at home. Kent State has played 5 of their last 7 games Under the Total after a win by at least 20 points. The Golden Flashes have also played 6 of their last 7 games Under the Total after a game where at least 70 combined points were scored. Additionally, Kent State has played 6 of their last 7 games Under the Total after scoring at least 40 points in their last game. The Golden Flashes generated 372 passing yards against the Falcons — and they have played 7 straight games Under the Total after passing for at least 280 yards in their last game. Kent State averaged an explosive 11.94 Yards-Per-Play for 657 total yards — yet they have played 5 of their last 7 games Under the Total after averaging at least 6.25 YPP in their last game and they have played 4 of their last 5 games Under the Total after gaining at least 475 yards in their last game. The Golden Flashes return home where the Under is 11-5-1 in their last 17 games when they are favored. Kent State has excelled in their pass defense so far this season with seven sacks while holding their opponents to just 173.0 passing YPG which is the best mark in the MAC.

FINAL TAKE: These two teams have played 8 of their last 10 meetings Under the Total. Expect a lower-scoring game. 25* CFB Tuesday ESPN Total of the Year with Under the Total in the game between the Akron Zips (301) and the Kent State Golden Flashes (302). Best of luck for us — Frank.

At 8:15 PM ET on Monday, we will be playing Under the Total in the game between the Minnesota Vikings (275) and the Chicago Bears (276). THE SITUATION: Minnesota (3-5) has won two games in a row after their 34-20 win at home against Detroit as a 3-point favorite last Sunday. Chicago (5-4) has lost three straight games after their 24-17 loss at Philadelphia as a 6.5-point underdog last week.

REASONS TO TAKE UNDER THE TOTAL: The Vikings have played 6 of their last 9 games Under the Total after a victory by at least two touchdowns. Minnesota has also played a decisive 43 of their last 40 games Under the Total after scoring at least 30 points in their last game — and this includes them playing nine of their last eleven games Under the Total after reaching at least 30 points in their last game. Behind running back Delvin Cook who rushed for 206 yards on 22 carries, the Vikings put up 275 rushing yards against the Lions defense — but they have then played 16 of their last 20 games on the road Under the Total after rushing for at least 200 yards in their last game. Now they face this Bears’ defense that is 9th in the NFL by allowing only 101.5 rushing Yards-Per-Game when playing at home. Minnesota scores 24.1 PPG on the road while averaging 339.5 total YPG in their four road games — and those numbers are -3.1 PPG and —42.7 YPG below their season averages. The Vikings have also benefited from a +3 net turnover margin against the Lions. Yet they have played 29 of their last 59 games Under the Total including three of their last four after enjoying a +3 or better turnover margin in their last game. Minnesota is playing better on defense as of late — they have held their last two opponents to 22 and 20 points which are both season lows. The Vikings have also played 7 of their last 9 games Under the Total on Monday Night Football. Chicago has played 4 of their last 5 games Under the Total on Monday Night Football. The Bears have not scored more than 23 points in six straight games. They did gain 375 yards last week against the Eagles — but they have played 4 of their last 5 games Under the Total after gaining at least 350 yards in their last game. Chicago is undermanned at the running back position right now with David Montgomery out as he goes through the concussion protocol and Tarik Cohen already out the year with his torn ACL. The Bears will rely on converted wide receiver Cordarrelle Patterson, Ryan Nall, and Artavis Pierce (along with perhaps Lamar Miller coming off their practice squad after missing all of last season with a torn ACL) as their running backs. Quarterback Nick Foles 52 pass attempts against the Eagles — and the Bears have played 14 of their last 16 games Under the Total after passing the ball at least 50 times in their last game. Chicago has also played 20 of their last 28 games Under the Total after a straight-up loss. They return home where they are scoring only 17.8 PPG while averaging 286.3 total YPG — but they are holding their opponents to just 19.3 PPG at Soldier Field. The Bears have played 12 of their last 15 home games Under the Total. They have also played 8 of their last 9 games Under the Total with the number set in the 42.5 to 49 point range. It will be cold on the south side of Chicago tonight with the temperatures dropping into the low-40s — and the Bears have played 6 of their last 8 games Under the Total in November. Chicago has also played 5 of their last 6 games Under the Total as an underdog.

FINAL TAKE: These two teams have played 12 of their last 17 games Under the Total — and they have played 5 of their last 6 games played in Chicago Under the Total. 25* NFC North Total of the Month with Under the Total in the game between the Minnesota Vikings (275) and the Chicago Bears (276). Best of luck for us — Frank.

At 8:20 PM ET on Sunday, we will be playing Under the Total in the game between the Baltimore Ravens (273) and the New England Patriots (274). THE SITUATION: Baltimore (6-2) has won four of their last five games after their 24-10 win at Indianapolis last Sunday as a 1-point underdog. New England (3-5) snapped a four-game losing streak on Monday with their 30-27 victory over the New York Jets as a 9-point favorite.

REASONS TO TAKE UNDER THE TOTAL: The Ravens have played 8 of their last 13 games Under the Total after an upset win by at least two touchdowns as a road underdog. Baltimore has played 10 of their last 14 games Under the Total after winning at least two of their last three games. And while that was the first time that the Ravens have covered the point spread in their last three games, they have then played 6 of their last 8 games Under the Total after only covering the point spread once in their last three games. Baltimore is an excellent defensive team — they lead the NFL by allowing only 17.8 PPG. They have played 10 of their last 13 games Under the Total after not allowing more than 14 points in their last game. Furthermore, the Ravens have played 6 of their last 7 games Under the Total against fellow AFC opponents. And in their last 7 games played on field turf, Baltimore has played 6 of these games Under the Total. New England has played 12 of their last 16 games Under the Total after a point spread loss. The Patriots have also played 5 straight games Under the Total when playing on a short week after an appearance on Monday Night Football. New England is scoring only 20.8 PPG which is 28th in the league — and that number drops to just 18.8 PPG while averaging jut 323.0 total YPG in their four games at home. Those are ominous numbers when considering that the Patriots have played only one top-ten defense this season — and quarterback Cam Newton managed only 98 passing yards in that game where they scored just 6 points. New England has played 4 of their last 5 game Under the Total at home — and they have played 5 of their last 7 home games Under the Total against teams with a winning record on the road. The Patriots have also played 5 of their last 7 games Under the Total in November.

FINAL TAKE: Weather will likely play a significant role in this game tonight. There is a 100% chance of rain with thunderstorms possible. Winds will be 9 to 18 MPH with gusts up to 47 MPH. This will negatively impact both passing games — and both Lamar Jackson and Cam Newton can struggle with their accuracy. Both defenses will likely get away with putting an extra defender in a box to stop the run given these conditions. 25* NFL Sunday Night Football Total of the Month with Under the Total in the game between the Baltimore Ravens (273) and the New England Patriots (274). Best of luck for us — Frank.

At 4:05 PM ET on Sunday, we will be playing the Los Angeles Chargers (277) plus the points versus the Miami Dolphins (278). THE SITUATION: Los Angeles (2-6) has lost two games in a row with their 31-26 loss at home to Las Vegas last Sunday as a 1-point underdog. Miami (5-3) has won four games in a row with their 34-31 upset win at Arizona as a 6-point underdog on Sunday.

REASONS TO TAKE THE CHARGERS PLUS THE POINTS: Los Angeles lost their fifth game of the season on the final play once again last week with a dropped pass in the end zone taking victory away from head coach Anthony Lynn’s team. Everyone is banging away at Lynn this week for his game management late in the game. Perhaps some of these criticisms are valid — but this dynamic is overplayed. While I disagree with those in the analytics community that thinks winning close games is solely a function of luck, I certainly agree that winning and losing close games often is dependent on one or two plays — and often those plays experience plenty of variance regarding the random events that take place within them (like dropping a touchdown pass). The ability to consistently play close games is the more predictable variable for this Chargers team than what happens in the final moments. Los Angeles’ has had a halftime lead six times this season. All six of their losses have been by seven points or less — and all those losses were by a combined 24 points. And going back to last year, the Chargers have seen 15 of their 17 losses decided by one scoring possession. What is more consistent is yardage numbers — and LA is outgaining their opponents by +61.5 net YPG. The Chargers are getting their ground game going to complement rookie QB, Justin Herbert, as they are averaging 146 rushing YPG over their last five games. Los Angeles has covered the point spread in 5 of their last 7 games after losing two games in a row. They also have covered the point spread in 18 of their last 25 games on the road after a game where both teams scored at least 24 points. The Chargers outgained the Raiders last week by +120 net yards as they held them to just 320 yards of offense. LA is 9-4-2 ATS in their last 15 games after allowing at least 30 points in their last game. Now they go back on the road where they have covered the point spread in 13 of their last 20 games — and they are 4-1-1 ATS in their last 6 games away from home. Miami was outgained by -130 net yards in their upset win last week. And that accomplishment came on the heels of their upset win over the Rams the previous week where they won despite being outgained by a whopping -326 net yards! The Dolphins scored two defensive touchdowns against the Rams before returning a 36-yard fumble recovery for a touchdown last week against the Cardinals. Scoring defensive touchdowns to overcome getting outgained by more than 100 YPG is simply not sustainable. Miami is being outgained by -61.5 net YPG — and they are losing the yardage battle at home by -106.8 net YPG. The Dolphins have failed to cover the point spread in 20 of their last 25 home games after a win by a field goal or less. And while Miami has won five of their last six games, they have then failed to cover the point spread in 23 of their last 29 home games after winning five or six of their last seven contests. Now this team returns home where they are an ugly 22-46-1 ATS in their last 69 games as a favorite.

FINAL TAKE: The Chargers are 34-15-4 ATS in their last 53 road games as an underdog — and they have covered the point spread in 4 straight road games as a dog getting up to 3 points. 25* NFL Underdog of the Month with the Los Angeles Chargers (277) plus the points versus the Miami Dolphins (278). Best of luck for us — Frank.

At 12:00 PM ET on Saturday, we will be playing Under the Total in the game between the Wake Forest Demon Deacons (149) and the North Carolina Tar Heels (150). THE SITUATION: Wake Forest (4-2) has won four games in a row with their 38-14 win at Syracuse as a 14-point favorite two weeks ago on October 31st. North Carolina (5-2) has won two of their last three games with their 56-24 win at Duke as a 10.5-point favorite last Saturday.

REASONS TO TAKE UNDER THE TOTAL: The Demon Deacons have played 10 of their last 14 games Under the total after a straight-up win — and they have played 9 of their last 12 games Under the Total after a point spread victory. Additionally, Wake Forest has played 4 of their last 5 games Under the Total after a win by at least 20 points. The Demon Deacons limited the Orange to just 221 yards of offense — and they have played 6 straight games Under the Total after not allowing more than 275 yards in their last game. Wake Forest has also played 5 of their last 6 games Under the Total after not allowing more than 20 points in their last contest. This team has steadily improved their play on defense this season for head coach Dave Clawson. They have held their last three opponents to just 17.7 PPG along with only 358.0 total YPG. Furthermore, the Demon Deacons have played 4 straight games Under the Total against teams with a winning record — and they have played 6 straight games Under the Total as an underdog. North Carolina has played 7 of their last 10 games Under the Total after a win by at least 20 points. The Tar Heels have also played 31 of their last 47 home games Under the Total after a game where at least 60 combined points were scored. North Carolina has played three straight Overs where at least 69 combined points were scored — and their last two contests reaching at least 80 points. Yet the Tar Heels have played 9 of their last 10 games Under the Total after playing at least three straight Overs. North Carolina has also played 22 of their last 20 games Under the Total when they played two straight games where at least 60 combined points were scored — and they have played 8 of their last 9 games when they have played three straight games where at least 60 combined points were scored. Despite these higher scoring games, the Tar Heels are playing pretty good defense when playing at home. North Carolina holds its visitors to just 24.0 PPG along with 363.0 total YPG.

FINAL TAKE: North Carolina has played 6 of their last 9 games Under the Total with the Total set at 63 or higher — and they have played 4 of their last 5 home games Under the Total with the Total set at 63 or higher. 25* CFB ACC Total of the Month with Under the Total in the game between the Wake Forest Demon Deacons (149) and the North Carolina Tar Heels (150). Best of luck for us — Frank.

At 7:00 PM ET on Saturday, we will be playing the Minnesota Golden Gophers (128) plus the points versus the Iowa Hawkeyes (127). THE SITUATION: Minnesota (1-2) won their first game of the season last week with their 41-14 win at Illinois as a 7.5-point favorite. Iowa (1-2) also snapped a two-game losing streak to win their opening game of the season last Saturday with their 49-7 victory over Michigan State as a 5.5-point favorite.

REASONS TO TAKE THE GOLDEN GOPHERS PLUS THE POINTS: Minnesota should build off their momentum as they have covered the point spread in 6 of their last 8 games after a straight-up loss — and they have covered the point spread in 6 of their last 8 games after a point spread setback. Additionally, the Golden Gophers have covered the point spread in 4 straight games after a win by at least 20 points — and they have covered the point spread in 5 of their last 6 games after a victory by at least three touchdowns against a Big Ten rival. The Minnesota defense played their best game of the season by holding the Illini to just 287 yards of offense. The Gophers have covered the point spread in 4 straight games after not allowing more than 20 points in their last game. The Minnesota offense has been quite good as they are scoring 36.3 Points-Per-Game while averaging 444.3 total YPG. Running back Mo Ibrahim leads the nation by averaging 190.3 rushing YPG. They have 85 combined points in their last two games — and they have covered the point spread in 7 of their last 9 games after scoring at least 31 points in two straight games. The Gophers return home where they have covered the point spread in 15 of their last 22 games with the Total set in the 56.5 to 63 point range. Additionally, Minnesota is 28-12-2 ATS in their last 42 games in November. Iowa may be due for an emotional letdown after they crushed the Spartans last week. The Hawkeyes have failed to cover the point spread in 5 of their last 6 games after a win by at least 20 points — and they have failed to cover the point spread in 5 of their last 7 games after a point spread win. Iowa scored on a 54-yard punt return for a touchdown and then a 54-yard interception touchdown return to close out the second quarter and go into halftime with a 35-0 lead. Yet Iowa has failed to cover the point spread in 4 straight games after owning at least a 17-point lead at halftime in their last game. The Hawkeyes have also failed to cover the point spread in 8 of their last 11 games after scoring at least 40 points in their last game. And in their last 6 games are not allowing more than 20 points in their last game, Iowa has failed to cover the point spread in 5 of these games.

FINAL TAKE: Minnesota will have revenge on their minds for this one as Iowa ruined their unbeaten season last year on November 16th with their 23-19 win in Iowa City as a 3.5-point favorite. The Golden Gophers have covered the point spread in 7 of their last 10 games as an underdog under head coach P.J. Fleck. 25* CFB Big Ten Underdog of the Month with the Minnesota Golden Gophers (128) plus the points versus the Iowa Hawkeyes (127). Best of luck for us — Frank.

At 8:20 PM ET on Thursday, we will be playing the Indianapolis Colts (121) plus the points versus the Tennessee Titans (122). THE SITUATION: Indianapolis (5-3) saw their two-game winning streak snapped on Sunday with their 24-10 upset loss at home to Baltimore as a 1-point favorite. Tennessee (6-2) ended a two-game losing streak on Sunday with their 24-17 win against Chicago as a 6.5-point favorite.

REASONS TO TAKE THE COLTS MINUS (OR PLUS) THE POINT(S): Indianapolis outgained the Ravens last week by +79 net yards after holding them to just 260 total yards. Baltimore scored on a defensive touchdown from a 65-yard fumble recovery that helped to make the winning difference. Indianapolis is 4-1-1 ATS in their last 6 games after a point spread loss — and they are 5-0-1 ATS in their last 6 games after a double-digit loss at home. The Colts are also 4-0-1 ATS in their last 5 games after failing to score more than 14 points in their last game. Indy is scoring a healthy 26.0 PPG this season — and that mark has risen to a 27.3 PPG clip in their last three games with them averaging 378.3 total YPG during that span. Quarterback Philip Rivers is completing 67.9% of his passes with 2087 passing yards and a 7.6 Yards-Per-Attempt average. And while tight end Jack Doyle is out for this game as he recovers from a concussion, Rivers will get wide receiver, T.Y. Hilton, back from the groin injury that has kept him out the last few weeks. The Colts’ offensive line leads the league by allowing only eight sacks this season — and the pass rush is a weakness for the Titans. Rivers should have plenty of time to pick apart the Tennessee secondary. Indianapolis also leads the NFL by allowing only 290.0 total YPG. They go back on the road where they are outgaining their opponents by +46.7 net YPG. The Colts are also 14-6-1 ATS in their last 21 games in November. Tennessee defeated the Bears last week despite getting outgained by -147 net yards. The Titans managed only 228 total yards against Chicago — and they are just 1-3-1 ATS in their last 5 games after failing to gain at least 250 yards in their last game. Despite winning six of their eight games, Tennessee is getting outgained by -10.2 net YPG. The Titans have eked out five of the six games they have played that have been decided by one scoring possession. Tennessee surrendered 319 passing yards to Nick Foles last week — and they have failed to cover the point spread in 5 of their last 6 games after allowing at least 250 passing yards in their last game. And while the Titans rank 7th in the league by scoring 29.0 PPG this year, they are scoring only 22.7 PPG over their last three games while averaging just 320.3 total YPG which is -63.6 net YPG below their season mark. Additionally, Tennessee has failed to cover the point spread in 5 of their last 7 games as a favorite — and they have failed to cover the point spread in 5 of their last 7 games against fellow AFC opponents. Furthermore, the Titans will be missing a couple of important players with both wide receiver Adam Humphries and cornerback Adoree’ Jackson out with injuries.

FINAL TAKE: These two teams split their meetings last season with the road team winning both times. The Colts have covered the point spread in 13 of their last 17 meetings with the Titans including covering the point spread in six of their last eight trips to Nashville to play Tennessee in their building. Indianapolis is 12-4-1 ATS in their last 17 Thursday Night Football games — and the Titans have failed to cover the point spread in 5 of their last 7 games played on Thursday nights. 25* AFC South Game of the Month with the Indianapolis Colts (121) plus the points versus the Tennessee Titans (122). Best of luck for us — Frank.

At 8:20 PM ET on Sunday, we will be playing the Tampa Bay Buccaneers (474) minus the points versus the New Orleans Saints (473). THE SITUATION: Tampa Bay (6-2) enters this game coming off a 25-23 win at New York against the Giants as a 13-point favorite for Monday Night Football. New Orleans (5-2) comes off a 26-23 win at Chicago in overtime last Sunday as a 5.5-point favorite.

REASONS TO TAKE THE BUCCANEERS MINUS THE POINTS: Tampa Bay was flat on Monday as a double-digit favorite as they were perhaps looking ahead to this NFC South showdown. The Buccaneers are 5-2-1 ATS in their last 8 games when playing on a short week on Sunday after featuring on Monday Night Football. Tampa Bay allowed 367 yards to the Giants in the win — but they are 20-9-3 ATS in their last 32 games after allowing at least 350 yards in their last game. The Bucs have one of the best defenses in the league as they are allowing only 20.6 PPG along with just 299.5 total YPG. Tampa Bay also boasts the best-run defense in the league as they hold their opponents to just 70.4 rushing YPG. They have held three opponents to under 50 rushing yards this season. This stout defense is a great combination with the Tom Brady-led offense. What is underrated about Brady is that his offenses limit turnovers. He threw two interceptions in the opening game loss in the Big Easy against the Saints — but he has thrown only two interceptions in his last six games. Furthermore, New Orleans has committed just five turnovers in their last seven games — and they have won the turnover battle in six of their last seven games. Brady is getting comfortable in the Bruce Arians offense. He is averaging 2 touchdown passes per game over his last three starts — and he is completing over 70% of his passes in his last two starts. Since Week Three, Brady has 17 touchdown passes to just one interception. New Orleans has failed to cover the point spread in 5 straight games after a straight-up win — and they have failed to cover the point spread in 21 of their last 30 games after a win on the road by 3 points or less. Their victory over the Bears came off a 27-24 win against Carolina — and they have failed to cover the point spread in 7 straight games after winning their last two games by a field goal or less. And while some bettors may consider the Saints “due” because they have not covered the point spread in their last three games, New Orleans has failed to cover the point spread in 5 of their last 7 games after winning their last two games where they did not cover the point spread as a favorite. The Saints defense is an issue as they are allowing 28.1 PPG this season. They are just 16th in the league by allowing 237.9 passing YPG — and they ave allowed two touchdowns of more than 60 yards. Their win over the Bears flew Over the 41 point Total — and they have failed to cover the point spread in 5 of their last 6 games after playing a game that finished Over the Total.

FINAL TAKE: These two teams met in Brady’s first game in a Tampa Bay uniform with the Saints winning by a 34-23 score. Brady completed only 23 of 36 passes for what is now his third-lowest completion percentage with the Buccaneers. But New Orleans managed only 82 rushing yards in that game which is their lowest output of the season. Wide receiver Michael Thomas is questionable to return to the field today after missing much of the season. The Buccaneers have covered the point spread in 19 of their last 27 home games when playing with revenge against a team that scored at least 28 points against them. 25* NFC South Game of the Year with the Tampa Bay Buccaneers (474) minus the points versus the New Orleans Saints (473). Best of luck for us — Frank.

At 4:05 PM ET on Sunday, we will be playing the Los Angeles Chargers (468) plus (or minus) the point(s) versus the Las Vegas Raiders (467). THE SITUATION: Los Angeles (2-5) looks to bounce back from a 31-30 loss at Denver last Sunday as a 3-point favorite. Las Vegas (4-3) has won two of their last three games after their 16-6 upset win at Cleveland as a 1-point underdog last week.

REASONS TO TAKE THE CHARGERS PLUS (OR MINUS) THE POINT(S): That was the fifth game this season that Los Angeles has lost a game decided by seven points or less. All five of the Chargers’ losses have been decided by a combined 19 points. Despite winning only two of their seven games, head coach Anthony Lynn’s team is outgaining their opponents by +51.1 net YPG. They should respond with a strong effort this afternoon as they have covered the point spread in 5 of their last 8 games after suffering an upset loss in their last game. Additionally, the Chargers are 3-1-1 ATS in their last 5 games after a straight-up loss — and they are 9-3-2 ATS in their last 14 games after allowing at least 30 points in their last game. The Chargers’ offense is beginning to click under rookie quarterback Justin Herbert. They are scoring 32.0 PPG while averaging 439.7 total YPG with Herbert getting his top two weapons in the passing game, wide receivers Keenan Allen and Mike Williams, healthy and on the field together at the same time. Los Angeles has scored at least 27 points in four straight games — and they have then covered the point spread in 8 of their last 12 games after scoring at least 25 points in four straight contests. The Chargers are also 3-0-1 ATS in their last 4 games as an underdog. Las Vegas has failed to cover the point spread in 8 of their last 10 games after an upset victory — and they have failed to cover the point spread in 5 of their last 6 games after winning two of their last three contests. The Raiders held the Browns to just 223 yards last week in the weather that limited the passing attacks for both teams. But Las Vegas has failed to cover the point spread in 4 of their last 5 games after not allowing more than 250 yards in their last game — and they have failed to cover the point spread in 5 of their last 6 games after not giving up more than 14 points in their last contest. Despair their winning record, the Raiders are only outgaining their opponents by +1.7 net YPG — and they are getting outscored by -2.3 PPG. They stay on the road for a second straight week where they are just 2-5-1 ATS in their last 8 road games against teams with a losing record at home. They are also just 1-3-1 ATS in their last 5 road games when favored. And in their last 8 games played on field turf, Las Vegas has failed to cover the point spread 6 times.

FINAL TAKE: The Chargers have had this game circled on their calendars all year after getting swept by the Raiders last year. Los Angeles lost the first meeting in Oakland by a 26-24 score before getting upset in the rematch in LA by a 24-17 score as a 7-point favorite on December 22nd. This is expected to be a high-scoring game with the Total set in the low 50s — but the Raiders have failed to cover the point spread in 28 of their last 42 games with the Total set at 49.5 or higher and the Chargers have covered the point spread in 5 of their last 6 games with the Total set at 49.5 or higher. 25* AFC West Game of the Month with the Los Angeles Chargers (468) plus (or minus) the point(s) versus the Las Vegas Raiders (467). Best of luck for us — Frank.

At 9:45 PM ET on Friday, we will be playing the Boise State Broncos (314) plus the points versus the Brigham Young University Cougars (313). THE SITUATION: Boise State (2-0) won their second-straight game this season with their 49-30 win at Air Force last Saturday as a 13-point favorite. BYU (7-0) remained unbeaten this season last Saturday with their 41-10 victory at home against Western Kentucky as a 31.5-point favorite.

REASONS TO TAKE THE BRONCOS PLUS THE POINTS: Boise State quarterback Hank Bachmeier did not get on the plane to Air Force last week for an undisclosed reason — the Broncos did have one player who tested positive for COVID but privacy reasons preclude the release of that information (and they had another player not make the trip). Just as well, competitively, as it allowed Jack Sears to get his shot under center. The USC transfer completed 17 of 20 passes for 280 yards with three touchdown passes (no interceptions) with another 36 rushing yards with a touchdown. Boise State has not announced their starting quarterback for this game — frankly, I think Sears is better but I was prepared to still back the Broncos if Bachmeier was the confirmed starter. Put another way, if Bachmeier starts but struggles, head coach Bryan Harsin is going to turn to Sears. As it is, the Broncos have covered the point spread in 20 of their last 28 home games after a win by at least five touchdowns against a conference rival. Sears led an offense that generated 459 yards last week — and they are 8-2-1 ATS in their last 11 games after gaining at least 450 yards in their last game. Boise State did allow the Falcons to gain 484 yards in that game but they have covered the point spread in 5 of their last 7 games after allowing at least 450 yards in their last game. The Broncos have only forced one turnover this season — and they have covered the point spread in 27 of their last 38 games after not forcing more than one turnover in two straight games. They return home to their blue field where they have covered the point spread in 6 of their last 7 games. They also have covered the point spread in 7 of their last 8 games as an underdog. BYU has failed to cover the point spread in 6 of their last 8 games after a victory by at least 20 points — and they have failed to cover the point spread in 4 of their last 5 games after a point spread win. The Cougars have also failed to cover the point spread in 6 of their last 8 games after not allowing more than 20 points in their last contest. BYU has not allowed more than 267 yards in two straight games — but they have then failed to cover the point spread in 16 of their last 23 games after not allowing more than 275 yards in two straight games. This is the Cougars’ best start since 2001 — but their best competition has been against middling Houston and Navy teams this season. BYU was a two-touchdown or more favorite in their other five games this season. And this remains a program that entered the season with a 14-74 straight-up record against top-25 teams since 1972. The Cougars have also failed to cover the point spread in 4 straight games in November.

FINAL TAKE: This game does have playoff implications with BYU ranked 9th in the AP poll with Boise State ranked 21st but a potential playoff team if they go undefeated to win the Mountain West Conference. The Broncos will be looking to avenge a 28-25 upset loss at BYU last year on October 19th where they were 7-point favorites. Boise State has also covered the point spread in 5 of their last 7 games played on a Friday night. 25* CFB Friday FS1-TV Game of the Year with the Boise State Broncos (314) plus the points versus the Brigham Young University Cougars (313). Best of luck for us — Frank.

At 9:00 PM ET on Thursday, we will be playing the Colorado State Rams (306) plus the points versus the Wyoming Cowboys (305). THE SITUATION: Colorado State (0-1) lost its opening game of the season last Thursday in their 38-17 upset loss at Fresno State as a 2.5-point favorite. Wyoming (1-1) comes off a 31-7 win at home against Hawai’i last Friday as a 2.5-point underdog.

REASONS TO TAKE THE RAMS PLUS THE POINTS: Colorado finally played their first game of the season last week after having their opening game with New Mexico canceled because of some COVID issues with the Lobos. The Rams also had COVID issues that kept sophomore wide receiver Dante Wright and tight end, Trey McBride, out for that game. With Warren Jackson leaving the team earlier this fall, those absences left this offense thin with their passing targets. Getting the updated COVID lists for all of these teams is simply essential before investing. Both Wright and McBride will return for this game which will make a huge difference. Wright is a speedy sophomore and McBride is a potential NFL prospect. First-year head coach Steve Addazio was frustrated with the mistakes his team made last week. Said the former Boston College head coach after the game: “We've just got to get rid of the massive amount of mistakes that we had on both sides of the ball … Blown coverages, misaligned on defense ... Then (on offense), we had a couple of ridiculous mistakes that were drive-killers … We just need to be way, way more consistent.” The biggest jumps in improvement often come after the opening game of the season — I expect a much better effort from this Rams team tonight. As it is, Colorado State has bounced-back to cover the point spread in 7 of their last 10 games after a straight-up loss — and they have covered the point spread in 5 of their last 7 games after a point spread loss. The Rams have also covered the point spread in 7 of their last 10 games after a loss by at least 20 points. And in their last 5 games after failing to score at last 20 points, Colorado State has covered the point spread in 4 of these games. They returned 15 starters from last year’s team that was only 4-8 — but they did outgain their Mountain West Conference foes by +34 Yards-Per-Game. They return home where they have covered the point spread in 5 of their last 7 games. Wyoming has failed to cover the point spread in 8 of their last 12 games after an upset victory by at least 10 points — and they have failed to cover the point spread in 4 of their last 5 games if they come off a home game where they pulled off an upset victory by double-digits. The Cowboys only committed one turnover in that game which helped them win the turnover battle for the second-straight week — but they have then failed to cover the point spread in 7 of their last 11 games after not turning the ball over more than once in their last game. We had Wyoming in that game in just a great situation with them returning home to host the Rainbow Warriors in very cold weather. The Cowboys have now won seven straight games at home to improve their 30-15 straight-up mark in the last forty-five games at War Memorial Stadium. But Wyoming has lost six of their last eight games away from home. Twelve starters returned from the team last year that finished 8-5 — but they lost their top three tacklers from that group. Nevada rolled up 496 yards against them in their opening game loss in Reno. Wyoming has failed to cover the point spread in 10 of their last 14 road games when laying 3.5 to 7 points.

FINAL TAKE: The Cowboys have won the last four Border Wars between these two teams after last year’s 17-7 victory at home in Laramie. Look for Colorado State to be in a position to pull the upset tonight in Addazio’s second game with the team. 25* CFB Thursday CBS Sports Network Game of the Year with the Colorado State Rams (306) plus the points versus the Wyoming Cowboys (305). Best of luck for us — Frank.

At 8:20 PM ET on Thursday, we will be playing Under the Total in the game between the Green Bay Packers (301) and the San Francisco 49ers (302). THE SITUATION: Green Bay (5-2) has lost two of their last three games after their 28-22 upset loss at home to Minnesota as a 5.5-point favorite on Sunday. San Francisco (4-4) saw their two-game winning streak snapped on Sunday with their 37-27 loss at Seattle as a 1-point underdog.

REASONS TO TAKE UNDER THE TOTAL: The Packers have played 7 of their last 11 games Under the Total after winning five or six of their last seven games. Green Bay generated 400 yards against the Vikings in that loss — and they have played 4 of their last 5 games Under the Total. Despite that haul of yardage, the Packers’ offense has slowed down significantly since playing Tampa Bay three weeks ago when defensive coordinator Todd Bowles designed a game plan of complicated stunts and disguised schemes that stymied Aaron Rodgers. Green Bay is scoring only 22.3 PPG over their last three games while averaging just 326.7 total YPG in this copycat league. The Packers also allowed Minnesota to generate only 324 yards but a 6.75 Yards-Per-Play rate — and they have played 10 of their last 16 games Under the Total after allowing their last opponent to average at least 6.0 YPP.  Their loss last week came on the heels of their 35-20 victory over Houston two weeks ago — and they have played 5 of their last 6 games Under the Total after playing two straight games where at least 50 points were scored. Green Bay stays on the road this week where they have played 4 of their last 5 games Under the Total as a favorite. Additionally, the Packers have played 13 of their last 17 games Under the Total in the second half of the season. Green Bay will not be at full strength with running backs A.J. Dillon and Jamal Williams on the COVID list. Running back Aaron Jones is also questionable with a calf injury — so he is a game-time decision. If Jones cannot play, the available running backs to the Packers’ offense is Tyler Ervin (who is mostly a pass-catching back) and Dexter Williams who would be activated off the practice squad. Those absences are minor compared to the M*A*S*H unit that is San Francisco. Quarterback Jimmy Garoppolo and tight end George Kittle are out indefinitely. Running back Tevin Coleman has been downgraded to out with a knee. Wide receiver Brandon Aiyuk, left tackle Trent Williams, and wide receiver Deebo Samuel are on the COVID list. Nick Mullens will run the offense — and this will be a run-heavy game-plan against the suspect Packers run defense that is allowing their opponents to average 4.7 Yards-Per-Carry. San Francisco swept the two meetings between these two teams last year — including in the NFC Championship Game where they won by a 37-20 score. The formula for success was running the football and dominating the physical battle — and head coach Kyle Shanahan will certainly keep this same approach for this rematch. This commitment to running the football will burn time off the clock while likely reducing the number of offensive possessions for both teams — and Shanahan is disciplined to not abandon the run if his team falls behind. San Francisco has averaged 402.7 YPG over their last three games — and they have then played 4 of their last 5 games Under the Total after averaging at least 400 YPG over their last three games. The Niners return home where they have played 15 of their last 22 home games Under the Total against teams with a winning record on the road. San Francisco has also played 5 of their last 6 home games Under the Total as an underdog. Despite a host of injuries on defense headlined by the losses of Nick Bosa, Richard Sherman, and Dee Ford, the Niners are still only allowing 21.6 PPG along with 314.6 total YPG — and those numbers have dropped to 19.7 PPG and 300.7 YPG over their last three games. San Francisco has an outstanding defensive coordinator in Robert Saleh who will have certainly studied closely the Bowles’ game plan from three weeks ago.

FINAL TAKE: San Francisco has played 9 of their last 13 games Under the Total when playing on Thursday Night Football. Expect a lower scoring game. 25* NFL Thursday Night Football Total of the Month with Under the Total in the game between the Green Bay Packers (301) and the San Francisco 49ers (302). Best of luck for us — Frank.

At 8:20 PM ET on Sunday, we will be playing Over the Total in the game between the Dallas Cowboys (271) and the Philadelphia Eagles (272). THE SITUATION: Dallas (2-5) has lost two straight games as well as four of their last five contests with their 25-3 upset loss at Washington last week. Philadelphia (2-4-1) looks to build off their 22-21 win over the New York Giants last week as a 5-point favorite.

REASONS TO TAKE OVER THE TOTAL: The Cowboys have played 6 of their last 7 games Over the Total after a straight-up loss — and they have played 7 of their last 9 games Over the Total after a loss by at least two touchdowns. Dallas has also played 16 of their last 21 games Over the Total after a point spread loss. They will be turning to rookie Ben Dinucci under center with Andy Dalton on the shelf after suffering a concussion last week. Frankly, the 7th round pick from James Madison cannot do much worse than Dalton has for this team. He passed for over 3400 yards in his senior season taking the Dukes to the national championship game. He adds desperately needed mobility to the position that Dalton lacks — he rushed for 569 yards with seven touchdowns last season for James Madison. I expect offensive coordinator Kellen Moore to get creative with Dinucci with some designed run plays. I also expect more creativity from Moore in getting the ball in the hands of the uber-talented Dallas wide receiving corps. And I expect more from running back Ezekiel Elliott after the Cowboys managed only 83 rushing yards last week against the Football Team. Dallas has played 14 of their last 16 games Over the Total after failing to rush for at least 90 yards in their last game. The offensive line for the Cowboys is mired with injuries but they do expect guard Zack Martin to return to the starting lineup for this game. Dinucci’s mobility will make a big difference. Dallas has played two straight Unders with Dalton being their primary quarterback. The Cowboys have played 11 of their last 17 games Over the Total after a game that fished Under the Total — and they have played 4 of their last 5 games Over the Total after playing two straight Overs. Even if Dallas struggles to score points, their defense is likely to offer the Eagles plenty of scoring opportunities. The Cowboys are last in the league by allowing 34.7 PPG — and these opponents are generating 408.1 total YPG against them this season. Philadelphia is scoring 26.3 PPG over their last three games while averaging 380.7 total YPG despite a number of injuries on offense. Quarterback Carson Wentz led an offense that gained 442 yards against the Giants last week — and the Eagles have played 5 straight games Over the Total after gaining at least 350 yards in their last game. Wentz has thrown six touchdown passes in his last three games. The Philly offense is slowly getting healthier with tackle Lane Johnson, tight end Dallas Goedert, and rookie wide receiver Jalen Reagor all expected to play tonight. And while the Eagles win over the Giants last week finished Under the 44.5 point total, they have then played 12 of their last 20 games Over the Total after playing a game that finished Under the Total.

FINAL TAKE: Dallas has played 5 of their last 8 games Over the Total as a double-digit underdog — and they have also played 9 of their last 12 games Over the Total against fellow teams from the NFC East. With the number in the low-40s, expect a higher scoring game. 25* NFC East Total of the Year with Over the Total in the game between the Dallas Cowboys (271) and the Philadelphia Eagles (272). Best of luck for us — Frank.

At 4:25 PM ET on Sunday, we will be playing the Seattle Seahawks (270) minus the points versus the San Francisco 49ers (269). THE SITUATION: Seattle (5-1) looks to rebound from their 37-34 upset loss in overtime at Arizona as a 3.5-point favorite last Sunday night. San Francisco (4-3) pulled off their second-straight upset victory last week with their 33-6 victory at New England as a 3-point underdog.

REASONS TO TAKE THE SEAHAWKS MINUS THE POINTS: Seattle should respond with a strong effort as they are 32-15-4 ATS in their last 51 games after a straight-up loss — and they have covered the point spread in 4 of their last 5 games after a loss by 6 points or less. The Seahawks are also 11-4-2 ATS in their last 17 games after a point spread loss. Seattle dominated time of possession having the football for over nine minutes longer than the Cardinals — and they outgained them by +53 net yards. If not for a late personal foul that kept an Arizona drive alive, the Seahawks likely win that game. Seattle went into the locker room at halftime with a 27-17 lead — that was the first game in the Pete Carroll/Russell Wilson era where they lost a game after enjoying a halftime lead of at least four points. Wilson completed 33 of 50 passes for 388 yards while adding another 84 yards on the ground. The Seahawks have covered the point spread in 10 of their last 12 games after passing for at least 300 yards in their last game. Wilson leads an offense that is tops in the NFL in both scoring 33.8 PPG and in averaging 425.2 total YPG. The Seattle defense is a weakness — and the recently acquired Carlos Dunlap will not be able to play this week given COVID restrictions for newly acquired players. But Carroll expects to get Jamal Adams back on the field after he has been out with a groin injury. The Seahawks surrendered 360 yards last week — but they have then covered the point spread in 7 straight games after allowing at least 350 yards in their last game. They are also 6-1-1 ATS in their last 8 games after allowing at least 30 points in their last contest. Seattle returns home where they have covered the point spread in 4 of their last 5 home games with the Total set at 49.5 or higher. And in their last 6 games in November, the Seahawks are 5-0-1 ATS. San Francisco has failed to cover the point spread in 9 of their last 13 games after a win by at least two touchdowns — and they have failed to cover the point spread in 16 of their last 22 road games after not allowing more than 6 points in their last game. The 49ers are slowly getting a bit healthier — but this remains a shell of the Super Bowl team last season with Nick Bosa, Richard Sherman, Dee Ford, and Raheem Mostert all on Injured Reserve as they headline a still very long injured list. San Francisco has failed to cover the point spread in 6 of their last 9 games with the Total set at 49.5 or higher. They are also 1-3-1 ATS in their last 5 games in November. Furthermore, the Niners have failed to cover the point spread in 9 of their last 13 games against NFC West foes.

FINAL TAKE: San Francisco is just 4-12-1 ATS in their last 17 games against the Seahawks — and they are 2-6-1 ATS in their last 9 games in Seattle. They did upset the Seahawks on the road in the last meeting between these two teams by a 26-21 score last December 29th — but that will likely be even more motivation for Seattle to get back to their winning ways this week. 25* NFC West Game of the Year with the Seattle Seahawks (270) minus the points versus the San Francisco 49ers (269). Best of luck for us — Frank.

At 9:45 PM ET on Friday, we will be playing the Wyoming Cowboys (142) minus the point(s) versus the Hawai’i Rainbow Warriors (141). THE SITUATION: Wyoming (0-1) looks to rebound from their 37-34 upset loss at Nevada in overtime last week by a 3-point favorite. Hawai’i (1-0) comes off a 34-19 upset win at Fresno State last Saturday as a 2.5-point underdog.

REASONS TO TAKE THE COWBOYS MINUS THE POINT(S): Wyoming started slowly as they fell behind by a 28-6 margin before rallying to force overtime where they eventually failed to steal the victory. But the Cowboys have then bounced-back to cover the point spread in 5 of their last 7 games after a straight-up loss — and they have covered the point spread in 6 of their last 7 games after a point spread setback. Wyoming endured sophomore quarterback Sean Chambers suffer a season-ending broken leg in the third play of this game. Chambers started the first seven games last year before suffering a season-ending knee injury. However, the Cowboys have a capable replacement in redshirt freshman Levi Williams, who led the team to 38 points as the starter last year in their 38-17 victory over Georgia State in the Arizona Bowl. Williams completed 16 of 31 passes for 227 yards while adding another 40 yards on the ground with two touchdowns in almost leading his team to the comeback win. Chambers is a run-first quarterback — Williams is the better passer while still offering running skills. Despite the loss, this is a good Wyoming team that returned over 70% of the two-deep from the team last year that finished 8-5. Many observers have commented on the lack of a home-field advantage when playing in a pandemic without crowded stadiums — but this has been a myopic view of the intangibles that offer teams a home edge. The Cowboys retain a significant home edge playing in Laramie, with it being 7220 feet above sea level. Becoming comfortable playing in a high altitude is not as easy for visiting teams — Wyoming has won 29 of their last 44 games at home on Jonah Field in War Memorial Stadium, including all six home contests last season. The Cowboys have covered the point spread in 5 of their last 7 games at home — and they have also covered the point spread in 14 of their last 20 games when favored. Hawai’i has failed to cover the point spread in 6 of their last 9 games after an upset win by at least 10 points as a road underdog. The Rainbow Warriors ran for 323 yards in the first game under first-year head coach Todd Graham who has molded the team’s Run-and-Shoot attack with Air Raid principles and an increased emphasis on running the football. But Hawai’i has failed to cover the point spread in 7 straight games after rushing for at least 200 yards. Graham inherited eleven starters from last year’s team finished 10-5 with their 38-34 win over BYU in the Hawai’i Bowl. That team enjoyed four net victories in games decided by one scoring possession — so that winning record could have been flipped with some bad breaks. They did have a -11 net turnover margin last year — but they enjoyed a fortunate +3 net turnover edge against the Bulldogs last week. Now this team goes on the road where they have failed to cover the point spread in 5 of their last 6 games with the Total set in the 56.5 to 63 point range. Additionally, the Rainbow Warriors have failed to cover the point spread in 20 of their last 26 games against teams with a losing record — and they are just 7-16-1 ATS in their last 24 games as an underdog.

FINAL TAKE: Graham had scheduled practice time in the Rocky Mountains this week — but seven inches of snow in Denver led to the postponement of those outdoor practices. That is not a good sign for this team from the tropics, who are just 9-24-1 ATS in their last 35 games in October. Wyoming has covered the point spread in 15 of their last 21 games in October — and the temperature is expected to drop below the freezing level tonight. Head coach Craig Bohl will have his team ready to play against this Rainbow Warriors team that upset them last week by a 17-13 score as a 4-point underdog. 25* College Football Game of the Month with the Wyoming Cowboys (142) minus the point(s) versus the Hawai’i Rainbow Warriors (141). Best of luck for us — Frank.

At 8:20 PM ET on Thursday, we will be playing the Atlanta Falcons (101) plus the points versus the Carolina Panthers (102). THE SITUATION: Atlanta (1-6) looks to bounce back from their 23-22 upset loss at home to Detroit as a 1-point favorite on Sunday. Carolina (3-4) has lost their last two games after their 27-24 loss at New Orleans as a 7-point underdog.

REASONS TO TAKE THE FALCONS PLUS THE POINTS: Atlanta blew their third game where they had a late lead when running back Todd Gurley could not stop himself from stumbling into the end zone after getting first down inside the Lions’ 10-yard line late in that game. The touchdown gave Matthew Stafford one last opportunity to score a touchdown — which he did on the last play of the game — to steal the victory. The Falcons have suffered four upset losses this season — and they have four net close losses in games decide by one scoring possession. Yet Atlanta still has the better roster than the Panthers. And their defense has played better as of late as they have held each of their last three opponents to just 23 points. The Falcons allowed Detroit to gain 386 yards — but they have then covered the point spread in 4 of their last 5 games after allowing at least 350 yards in their last game. Atlanta goes back on the road where they have covered the point spread in 6 of their last 7 games — and they have also covered the point spread in 6 of their last 7 games on the road as an underdog. And in their last 6 games against teams with a losing record, the Falcons have covered the point spread 5 times. Carolina was outgained by the Saints last week by -132 net yards. The Panthers have failed to cover the point spread in 5 of their last 7 games after a straight-up loss — and they have failed to cover the point spread in 7 of their last 10 games after a loss by 6 points or less. All three of Carolina’s victories have been as an underdog. They return home where they are just 1-5-1 ATS in their last 7 games — and they have failed to cover the point spread in 7 of their last 10 home games with the Total set at 45.5 or higher. Furthermore, the Panthers have failed to cover the point spread in 5 of their last 6 games against teams with a losing record. And in their last 11 games as a favorite, Carolina has failed to cover the point spread in 8 of these contests. There had been speculation that the Panthers would activate Christian McCaffrey for this game — but he remained on the Injured Reserve list this afternoon with his ankle sprain. Carolina is missing some players on their offensive line with tackle Russell Okung downgraded to doubtful with his calf injury and Michael Schofield III on the COVID list. The Panthers are also missing defensive tackle Kawan Short, defensive end Yetur Gross-Matos, and strong safety Juston Burris who are all on IR.

FINAL TAKE: Atlanta will be looking to avenge a 23-16 upset loss at home to Carolina on October 11th which was the final game for both head coach Dan Quinn and general manager Thomas Dimitroff before both were fired the next day. Wide receiver Julio Jones did not play in that game either with his hamstring injury — but he is in better health now after hauling in eight catches for 97 yards last week against the Lions. The Falcons are wavering 28.4 PPG when Jones is in the lineup. 25* NFC South Game of the Month with the Atlanta Falcons (101) plus the points versus the Carolina Panthers (102). Best of luck for us — Frank.

At 7:30 PM ET on Thursday, we will be playing Under the Total in the game between the South Alabama Jaguars (103) and the Georgia Southern Eagles (104). THE SITUATION: South Alabama (3-2) has won two straight games against Sun Belt Conference rivals after their 38-14 win over UL-Monroe on Saturday as a 14-point favorite. Georgia Southern (3-2) looks to rebound from a 28-14 loss at Coastal Carolina a 1-point underdog on Saturday.

REASONS TO TAKE UNDER THE TOTAL: The Jaguars have played 6 of their last 7 games Under the Total after winning two in a row — and they have played 5 of their last 6 games Under the Total after winning their last two games against conference rivals. And while South Alabama allows 282 passing yards to the War Hawks, the Under is 5-1-1 in their last 7 games after allowing at least 280 passing yards in their last game. Now after playing their last two games at home, the Jaguars go back on the road where they have played 6 of their last 7 games Under the Total. South Alabama has also played 9 of their last 13 road games Under the Total as an underdog — and they have played 11 of their last 13 games Under the Total after playing their last two games at home. Additionally, the Jaguars have played 5 of their last 7 games Under the Total against teams with a winning record — and they have played 5 straight games Under the Total in October. Georgia Southern has played 4 of their last 5 games Under the Total after a point spread loss. And while quarterback Shai Werts passed for only 94 passing yards last week after completing only 7 of 20 passes, the Eagles have then played 5 straight games Under the Total after not passing for more than 170 yards in their last game. Now after playing three of their last four games on the road, Georgia Southern returns home where they have played 4 straight games Under the Total as a favorite. The Eagles have also played 4 straight games Under the Total against teams with a winning record. Georgia Southern returned their top four tacklers from last season — and they are allowing only 20.8 PPG this year.

FINAL TAKE: Georgia Southern has played 8 of their last 11 games Under the Total when playing on a Thursday — and the Under is 4-1-2 in South Alabama’s last 7 games played on a Thursday night. 25* CFB Thursday ESPN Total of the Year with Under the Total in the game between the South Alabama Jaguars (103) and the Georgia Southern Eagles (104). Best of luck for us — Frank.

At 8:15 PM ET on Monday, we will be playing Under the Total in the game between the Chicago Bears (475) and the Los Angeles Rams (476). THE SITUATION: Chicago (5-1) has won two games in a row after their 23-16 upset win at Carolina as a 2-point underdog. Los Angeles (4-2) looks to bounce back from their 24-16 upset loss at San Francisco last Sunday night as a 2.5-point favorite.

REASONS TO TAKE UNDER THE TOTAL: The Bears have played 4 of their last 5 games Under the Total after a straight-up win — and they have played 10 of their last 11 games Under the Total after a point spread victory. Chicago’s defense is holding its opponents to just 19.3 PPG this season. The Bears have not allowed more than 26 points all season — and they have held their last three opponents to less than 20 points. But the Chicago offense is another matter entirely. The Bears are averaging only 21.3 PPG this season — and tapping Nick Foles as their savior for a post-Mitchell Trubisky era has not solved the problem. Chicago has scored only 43 combined points in their last two games while settling for five field goals after stalled drives along the way. Foles is averaging only 5.9 Yards-Per-Pass-Attempt over his last two starts. He is not getting much help from the Bears’ rushing attack that is without running back Tarik Cohen is out the season with a torn ACL. In their two last two victories, Chicago has accumulated only 98 total rushing yards while averaging just 2.5 Yards-Per-Carry. Now this team stays on the road where they have played 5 of their last 6 games Under the Total against teams with a winning record at home — and they have played 10 of their last 13 road games Under the Total as an underdog. Chicago has also played 20 of their last 28 games Under the Total as an underdog overall. Furthermore, the Bears have played 6 of their last 7 games Under the Total against teams with a winning record. Los Angeles has played 5 of their last 7 games Under the Total after a straight-up win. The Rams surrendered 390 yards last week to the 49ers, but they have then played 10 of their last 14 games Under the Total after allowing at least 350 yards in their last game. Los Angeles has been playing good defense as they have held their opponents to just 19.0 PPG along with 318.5 total YPG. The Rams return home where they have played 6 of their last 7 games Under the Total when laying the points. Los Angeles has also played 13 of their last 16 games Under the Total as the favorite.

FINAL TAKE: The Rams have played 6 straight games Under the Total in October — and the Bears have played 4 straight Unders in October. Chicago has also played 5 of their last 7 games Under the Total on Monday Night Football. 25* NFL Monday Night Football Total of the Month with Under the Total in the game between the Chicago Bears (475) and the Los Angeles Rams (476). Best of luck for us — Frank.

At 8:20 PM ET on Sunday, we will be playing Under the Total in the game between the Seattle Seahawks (467) minus the points versus the Arizona Cardinals (468). THE SITUATION: Seattle (5-0) returns to the field after their bye week after last defeating Minnesota by a 27-26 two weeks ago as a 6.5-point favorite. Arizona (4-2) comes off a 38-10 upset win at Dallas on Monday as a 1-point underdog.

REASONS TO TAKE UNDER THE TOTAL: The Seahawks have played 6 of their last 8 games Under the Total after winning at least three games in a row. Seattle comes off their bye week which means head coach Pete Carroll and his staff has conducted their self-scout regarding what they need to improve. There is no question that the defensive-oriented Carroll made decisions regarding how to improve his defense that is last in the league by allowing 471.2 total YPG. The Seahawks will not have Jamal Adams tonight but they should still play better on that side of the football — even if it means that they do not “Let Russ Cook” as much because they need to run the ball more to protect their defense by keeping them off the field. The fewer plays a defensive player has to make, the fresher he will be later in the game — that is what the coaches say. Seattle has allowed at least 415 yards in all five of their games this season — but they have then played 5 of their last 7 games Under the Total after allowing at least 400 yards in their last game. The Seahawks have also played 8 of their last 12 games Under the Total after allowing at least 400 yards in two straight games. The 27 points that Seattle scored last week were the fewest they have put up on the scoreboard all season. The Seahawks have played 23 of their last 31 games Under the Total after scoring at least 25 points in three straight games — and they have played 8 of their last 9 games Under the Total after scoring at least 25 points in four straight contests. Seattle goes back on the road where they have played 9 of their last 11 games Under the Total when favored. The Seahawks have also played 4 straight games Under the Total in October. Arizona has played 6 of their last 7 games Under the Total after a straight-up win — and they have played 4 of their last 5 games Under the Total after a point spread victory. Additionally, the Cardinals have played 7 of their last 10 games Under the Total after a win by at least two touchdowns. Arizona has also played 4 of their last 5 games Under the Total after playing on Monday Night Football. The Cardinals will take a page out of the Vikings’ playbook to run the football to keep Wilson off the field. Seattle was on offense for just 20:32 minutes against Minnesota with the Vikings running the ball 40 times for 201 yards. QB Kyler Murray may get the headlines but Arizona is averaging 30 rushing attempts per game for 161 rushing YPG. The Under is 3-1-1 in the Seahawks’ last 5 games after they allowed at least 150 rushing yards in their last game. This commitment to keeping the running game going has helped the Cardinals rank second in the league by allowing 18.7 PPG. Arizona returns home where they have played 4 of their last 5 games Under the Total — and they have played 8 of their last 11 home games Under the Total against teams with a winning record on the road. Additionally, the Cardinals have played 5 of their last 7 games Under the Total as an underdog — and they have played 5 straight games Under the Total against fellow NFC foes.

FINAL TAKE: These two teams have played did not see more than 40 combined points scored in their two divisional meetings last season — and the last 5 clashes in Arizona have all finished Under the Total. 25* NFC West Total of the Month with Under the Total in the game between the Seattle Seahawks (467) minus the points versus the Arizona Cardinals (468). Best of luck for us — Frank.

At 4:25 PM ET on Sunday, we will be playing the New England Patriots (470) minus the points versus the San Francisco 49ers (469). THE SITUATION: New England (2-3) has lost two games in a row after their 18-12 upset loss to Denver last Sunday as a 7-point favorite. San Francisco (3-3) enters this game triumphant after their 24-16 upset win over the Los Angeles Rams last Sunday as a 2.5-point underdog.

REASONS TO TAKE THE PATRIOTS MINUS THE POINTS: This is the first time that Bill Belichick’s team has been below .500 in October in 225 games. Their 26-10 loss at Kansas City two weeks ago was not a surprise since they were without Cam Newton in that game. Do not underestimate the negative impact the lack of practices has had on this team over the last two weeks. I believe Belichick and his coaching staff were able to address a host of issues this week in what was their first uninterrupted normal week of preparation since their 36-20 victory over the Raiders three weeks ago. Belichick’s teams in New England are a decisive 49-24-1 ATS in their last 74 games after a straight-up loss. I expect this Patriots’ offense to improve significantly this week after struggling against the Broncos. New England has covered the point spread in 9 of their last 13 games after not scoring more than 14 points in their last game — and they have covered the point spread in 13 of their last 21 games after not scoring more than 14 points in two straight contests. The Patriots defense is playing quite well — they held the Chiefs to just 19 points from their offense while limiting them to only 323 yards two weeks ago before holding the Broncos to 299 yards last week. Belichick teams usually are reliable in October as they are 42-17-2 ATS in their last 61 games in this month — and the Patriots have covered the point spread in seven of their last ten games in October. New England has also covered the point spread in 8 of their last 13 games as a home favorite of 7 points or less. San Francisco may be due for a letdown as they have failed to cover the point spread in 15 of their last 23 games after an upset win as a home underdog — and they have failed to cover the point spread in 6 of their last 8 games after an upset win at home against an NFC West rival. The 49ers are starting to get healthy again — but they are still a shell of the team that made it to the Super Bowl. The defense remains a M*A*S*H unit with Nick Bosa, Dee Ford, and Richard Sherman out indefinitely. The Niners will also be without the glue of their defense for the second straight week in linebacker Kwon Alexander who is dealing with a high ankle sprain. On offense, the team put running back Raheem Mostert on IR this week to join Tevin Coleman on that list. San Francisco has failed to cover the point spread in 15 of their last 22 games in October. They are also just 2-6-1 ATS in their last 9 games against teams with a losing record.

FINAL TAKE: Belichick should have a special game plan for 49ers quarterback Jimmy Garoppolo who he drafted and groomed in New England for years before trading him to San Francisco. 25* NFL CBS-TV Game of the Month with the New England Patriots (470) minus the points versus the San Francisco 49ers (469). Best of luck for us — Frank.

At 1:00 PM ET on Sunday, we will be playing Under the Total in the game between the Buffalo Bills (463) and the New York Jets (464). THE SITUATION: Buffalo (4-2) ha lost two straight games after their 26-17 loss to Kansas City on Monday as a 5.5-point underdog. New York (0-6) remained winless on the season last Sunday with their listless 24-0 loss at Miami as a 10-point underdog.

REASONS TO TAKE UNDER THE TOTAL: The Bills have played 4 straight games Under the Total after a straight-up loss — and they have played 4 of their last 5 games Under the Total after a point spread loss. The Buffalo offense managed only 206 yards against the Chiefs on Monday. The Josh Allen for Most Valuable Player talk has completely ceased after the Bills have scored only 21.0 PPG over the last three weeks while averaging just 304.0 total YPG. Allen completed just 14 of 27 passes on Monday for 122 yards. Buffalo has played 4 straight games Under the Total after failing to gain at least 250 yards in their last game — and they have played 5 of their last 6 games Under the Total after not passing for at least 150 yards in their last contests. The Bills’ defense surrendered 466 yards to Kansas City as well — but they have then played 12 of their last 15 games Under the Total after allowing at least 350 yards in their last game. Now Buffalo goes on the road where they have played 6 of their last 8 games Under the Total against teams with a losing record at home. Furthermore, the Bills have played 9 of their last 10 games Under the Total with the number set in the 42.5 to 49 point range — and they have played 6 straight games away from home Under the Total with the total in that 42.5 to 49 range. Playing the Jets may be just what the proverbial doctor ordered as their injury-plagued offense is scoring just 12.5 PPG while averaging 276.7 total YPG. New York has played 5 of their last 7 games Under the Total after a straight-up loss — and they have played 13 of their last 18 games Under the Total after a loss by at least 21 points. Joe Flacco was the quarterback last week in getting a shutout — and Sam Darnold is probable to play this afternoon. But with running back Le’ Veon Bell traded to Kansas City, he simply lacks supporting talent at the skill positions. The Jets have played 10 of their last 16 home games Under the Total as an underdog getting 7.5 to 14 points — and they have also played 4 of their last 5 games Under the Total against teams with a winning record. New York has also played 15 of their last 22 games Under the Total against fellow AFC East foes.

FINAL TAKE: This is a rematch of the September 13th meeting between these two teams which the Bills won by a 27-17 score. The Jets have played 5 of their last 6 games Under the Total when playing with same-season revenge. 25* AFC East Total of the Month with Under the Total in the game between the Buffalo Bills (463) and the New York Jets (464). Best of luck for us — Frank.

At 8:00 PM ET on Friday, we will be playing the Louisiana-Lafayette Ragin’ Cajuns (309) plus the points versus the UAB Blazers (310). THE SITUATION: UL-Lafayette (3-1) looks to rebound from their 30-27 upset loss at home to Coastal Carolina as a 9-point favorite back on October 14th. UAB (4-1) has won three straight games after their 37-14 victory over Western Kentucky last Saturday as a 10.5-point favorite.

REASONS TO TAKE THE RAGIN’ CAJUNS MINUS THE POINTS: UL-Lafayette should respond with a big effort tonight. The Ragin’ Cajuns have bounced-back to cover the point spread in 6 of their last 8 games after a straight-up loss — and they have covered the point spread in 14 of their last 18 games on the road after an upset loss to a conference rival. UL-Lafayette returned fourteen starters from the group that finished 11-3 with a 27-17 victory over Miami (OH) in the Lending Tree Bowl. Led by senior quarterback Levi Lewis, the Ragin’ Cajuns are averaging 456.7 total YPG over their last three contests. They also have averaged 7.55 and 7.57 Yards-Per-Play in their last two games — and they have then covered the point spread in 12 of their last 15 road games after averaging at least 6.25 YPP in their last two games. Now UL-Lafayette goes back on the road where they have covered the point spread in 7 of their last 10 road games against teams with a winning record at home — and they have covered the point spread in 8 of their last 9 road games with the Total set in the 49.5 to 52 range. UAB may be due for a letdown after they crushed the Hilltoppers last week. The Blazers gave failed to cover the point spread in 5 of their last 7 games after a straight-up win — and they have failed to cover the point spread in 5 of their last 6 games after a point spread victory. UAB has also failed to cover the point in 6 straight games after a win by at least 20 points. And in their last 17 games after winning at least three games in a row, the Blazers have failed to cover the point spread in 11 of these games. UAB rushed for 358 yards to help lead them to victory — but they have then failed to cover the point spread in 4 of their last 5 games after rushing for at least 200 yards in their last game. They have also failed to cover the point spread in 5 of their last 6 games after scoring at least 37 points in their last game. They are playing without their starting quarterback Tyler Johnston III who is out indefinitely with a shoulder injury. Redshirt freshman Bryson Lucero was shaky under center for the Blazers as he completed only 15 of 31 passes for 141 yards with a touchdown and an interception while not contributing to the running game. UAB is at a significant disadvantage in this game at the quarterback position. This team returned eighteen starters from head coach Bill Clark’s team that finished 9-5 last season. They only had one victory over an FBS team with a winning record — and they have failed to cover the point spread in 5 of their last 6 games against teams with a winning record. UAB has beaten three FBS teams this season in South Alabama, UTSA, and Western Kentucky last week — none of these teams have a record above .500. The Blazers' one loss was by 17 points at Miami (FL).

FINAL TAKE: UL-Lafayette has covered the point spread in 8 of their last 11 games in October. Look for them to pull away to win this game comfortably. 25* CFB Friday CBS Sports Network Game of the Month with the Louisiana-Lafayette Ragin’ Cajuns (309) plus the points versus the UAB Blazers (310). Best of luck for us — Frank.

At 8:20 PM ET on Thursday, we will be playing Under the Total in the game between the New York Giants (303) and the Philadelphia Eagles (304). THE SITUATION: New York (1-5) snapped their five-game losing streak on Sunday with their 20-19 win over Washington as a 2-point favorite. Philadelphia (1-4-1) has lost two games in a row with their 30-28 loss at home to Baltimore as a 10.5-point underdog.

REASONS TO TAKE UNDER THE TOTAL: The Giants have played a decisive 31 of their last 42 games Under the Total after a narrow win by three points or less — and they have played 14 of their last 18 games Under the Total after a win by no more than a field goal against an NFC East rival. Additionally, New York has played 4 straight games Under the Total after a point spread loss — and they have played 12 of their last 15 games away from home Under the Total after a victory where they failed to cover the point spread. The Giants are struggling to score points with running back Saquon Barkley out the season with his torn ACL. New York is scoring just 16.8 PPG while averaging a mere 275.3 total YPG. The Giants leading rusher is QB Daniel Jones — they are 30th in the league by averaging 87.8 rushing YPG. They did pick up Devonta Freeman to be their lead back but he is simply not a threat — his longest carry has gone for only 14 yards. Opposing defenses can lay off the run and use a linebacker to defend against potential passes. But the Giants’ defense has been playing pretty good — they are holding their home hosts to just 315.3 total YPG this season. New York has played 4 of their last 5 road games Under the Total as an underdog. Philadelphia has played 8 of their last 11 games Under the Total after a point spread loss. The Eagles have played two straight Overs where at least 58 combined points were scored. But Philadelphia has played 13 of their last 17 games Under the Total after a game that finished Over the Total — and they have played 28 of their last 42 games Under the Total after playing two straight games where at least 50 combined points were scored. The Philly offense is riddled with injuries. They will be without running back Miles Sanders for a few weeks with his knee injury which means their lead back tonight will be the 5’7 Boston Scott who has rushed for only 67 yards on 21 carries. QB Carson Wentz is without a number of his best targets in the passing game. Wide receiver Alshon Jeffrey and tight end Dallas Goedert are out for tonight. Star tight end Zach Ertz has yet to be ruled out but he suffered an ankle injury that the doctors think will keep him on the shelf for weeks. Wide receiver DeSean Jackson plans to take the field tonight after missing the last three games but it remains to be seen how effective the 33-year old can be coming off a hamstring injury that may impact his speed. The Eagles offensive line is even in worse shape. Starters Brandon Brooks, Andre Dillard, and Isaac Seumaol are all out. The team brought back Jason Peters after Dillard suffered his season-ending biceps injury — and he is also on the Injured Reserve. Tackle Lane Johnson will take the field despite his ankle injury but rookie backup Jack Driscoll is out tonight with an ankle. Wentz has been sacked 25 times this season — and being hurried has contributed to his nine interceptions. The Giants have a good pass rush that ranks 10th in the legacy with 15 sacks. Philadelphia has played 8 of their last 10 games at home Under the Total — and they have played 7 straight home games Under the Totals at home laying 3.5 to 7 points. The Eagles have also played 7 of their last 10 games Under the Total against teams with a losing record.

FINAL TAKE: These two teams have played 8 of their last 10 games Under the Total when playing in Philadelphia. 25* NFC East Total of the Month with Under the Total in the game between the New York Giants (303) and the Philadelphia Eagles (304). Best of luck for us — Frank.

At 8:15 PM ET on Monday, we will be playing the Dallas Cowboys (276) plus the points versus the Arizona Cardinals (275). THE SITUATION: Dallas (2-3) enters this game coming off a 37-34 win at home over the New York Giants last Sunday as a 7.5-point favorite. Arizona (3-2) looks to build off their 30-10 win at New York against the Jets as a 7-point favorite.

REASONS TO TAKE THE COWBOYS MINUS THE POINTS: The big news for Dallas is the season-ending injury to Dak Prescott. I think the offense will continue to be productive with Andy Dalton under center. The Red Rider is a veteran with playoff experience who needed to get out of Cincinnati. He has tons of offensive weapons with the Cowboys with Ezekiel Elliott at running back along with one of the most talented and deepest wide receiving corps in the league. I also think the strength of offensive coordinator Kellen Moore is his initial scheming (not so much with his ability to adapt) — so I think Dallas will have a short-term advantage with Moore’s wrinkles with the offense as he shapes it to Dalton’s strength. Look for the Cowboys to come out with plenty of energy as they look to salvage their season — and they are still in first place in the hapless NFC East. Dallas has covered the point spread in 5 of their last 6 games after a win at home where they scored at least 31 points. And while the Cowboys have not covered the point spread in any of their games this season, Dallas has then covered the point spread in 9 of their last 14 games after failing to cover the point spread in at least four straight games. The Cowboys lead the NFL by averaging 488.0 total YPG — and that usually is a good sign for them moving forward. After scoring 75 combined points in their last two games, Dallas has scored at least 31 points in four straight games — and they have then covered the point spread in 5 of their last 7 games after scoring at least 35 points in their last two contests. The Cowboys have gained at least 408 yards in four straight games — and they have covered the point spread in 9 of their last 14 games after gaining at last 400 yards in three straight games. And while Dallas has averaged at least 6.48 Yards-Per-Play in their last four contests, they have then covered the point spread in 7 of their last 10 games after averaging at least 6.0 YPP in four straight contests. Arizona has failed to cover the point spread in 5 of their last 6 games after a win by at least two touchdowns. The Cardinals dominated the woeful Jets by outgaining them by +211 net yards — but they have then failed to cover the point spread in 10 of their last 15 games after outgaining their last opponent by at least +200 net yards. Quarterback Kyler Murray completed 27 of 37 passes for 380 yards in the victory — but Arizona is just 4-10-1 ATS in their last 15 games after passing for at least 250 passing yards in their last game. Furthermore, the Cardinals are just 1-8-2 ATS in their last 11 games after not allowing more than 14 points in their last contest. This Arizona team is also without their All-Pro linebacker Chandler Jones who suffered a season-ending biceps injury. Not only will the Cardinals miss his 19 sacks from last season but they are also without linebacker Devon Kennard.

FINAL TAKE: Arizona has failed to cover the point spread in 7 of their last 8 games when playing on Monday Night Football while Dallas has covered the point spread in 4 of their last 5 games on MNF. Look for the Cowboys to pull out the victory behind Dalton. 25* NFL Monday Night Football Game of the Month with the Dallas Cowboys (276) plus the points versus the Arizona Cardinals (275). Best of luck for us — Frank.

At 8:20 PM ET on Sunday, we will be playing the San Francisco 49ers (274) minus the points versus Los Angeles Rams (273). THE SITUATION:  San Francisco (2-3) was upset for the second straight week last Sunday with their 43-17 shellacking at the hands of Miami as an 8.5-point favorite. Los Angeles (4-1) has won two straight games with their 30-10 win at Washington as a 7-point favorite last Sunday.

REASONS TO TAKE THE 49ERS PLUS THE POINTS: This is a critical game for San Francisco after they have been upset in two straight games as a favorite laying more than a touchdown in two straight weeks in what was supposed to be a fruitful three-game homestand. The Niners were upset at home two weeks ago on Sunday Night Football against the Eagles (when we successfully had Philly) before their upset loss at home to the Dolphins last week. San Francisco goes on the road next week for a brutal two-game swing at New England and then Seattle. With the NFC West also including an up-and-coming Arizona team, head coach Kyle Shanahan simply needs to get a victory from his team tonight. The 49ers have covered the point spread in 5 of their last 8 games after an upset loss by at least 21 points. They also have covered the point spread in 5 of their last 7 games after not covering the point spread in two straight games. QB Jimmy Garoppolo was probably rushed back to action last week with his bum ankle as he could not plant his leg which led to him completing only 7 of 17 passes while throwing two interceptions last week before Shanahan got him out of there at halftime. Garoppolo should be better this week — and the pressure will be on for him to perform. The 49ers are also simply ravaged with injuries especially on defense where Richard Sherman, Joey Bosa, and Dee Ford are on IR while linebacker Kwon Alexander is out with an ankle. Yet despite all this attrition, San Francisco is fifth in the NFL by allowing only 323.0 YPG — and they are third in the league by allowing only 215.6 passing YPG and only six touchdown passes. The 49ers should step up in this game as they have covered the point spread in 6 of their last 8 games against teams with a winning record — and they have covered the point spread in 6 of their last 8 home games against teams with a winning record on the road. Los Angeles may be due for a letdown as they have failed to cover the point spread in 10 of their last 16 games after winning two games in a row. And while they have not allowed more than 10 points in two straight games, they have then failed to cover the point spread in 5 of their last 7 games after not allowing more than 17 points in two straight games. The Rams held the Football Team to just 108 yards of offense last week while limiting them to only a 2.45 Yards-Per-Play average. Los Angeles has failed to cover the point spread in 9 of their last 10 games on the road after not allowing more than 200 yards in their last game — and they have failed to cover the point spread in 7 straight games on the road after holding their last opponent to no more than 3.5 YPP. And while the combination of Alex Smith and Kyle Allen only managed 70 total passing yards last week, the Rams have failed to cover the point spread in 8 of their last 11 games after not allowing more than 100 passing yards in their last game.

FINAL TAKE: All four of Los Angeles’ victories have been against the weak NFC East teams — so their great stats may be propped up by a favorable early schedule. San Francisco has covered the point spread in 5 of their last 6 games as an underdog. 25* NFC West Game of the Month with the San Francisco 49ers (274) minus the points versus Los Angeles Rams (273). Best of luck for us — Frank.

At 8:00 PM ET on Saturday, we will be playing the Alabama Crimson Tide (166) minus the points versus the Georgia Bulldogs (165). THE SITUATION: Alabama (3-0) enter this game coming off their 63-48 victory over Ole Miss last Saturday as a 24-point favorite. Georgia (3-0) comes off a 44-21 win at home against Tennessee last Saturday as a 13-point favorite.

REASONS TO TAKE THE CRIMSON TIDE MINUS THE POINTS: What’s up with the Alabama defense that surrendered a whopping 647 yards last week to the Rebels. The Tide returned five starters on a defense that had many freshmen forced into duty last season because of injuries. The front seven should be outstanding with the secondary work in progress with only one returning starter in junior cornerback Patrick Surtain. This inexperienced secondary got exposed by a Mississippi offense coached by a former offensive coordinator in Lane Kiffin who was able to (a) use a quick tempo to his advantage; (b) deploy a spread passing attack following the principles of Art Briles to expose this secondary with (c) a former blue-chip quarterback in Matt Corral who was also able to burn the Bama defense at times with his legs. I will mention this again below — but these are all tendencies that Georgia will not be able to replicate. That might have been the worst defensive performance for an Alabama team in the Nick Saban 14-year era. This unit will play better this week — and his teams have covered the point spread in 4 straight games after allowing at least 40 points in their last game. The Crimson Tide has also covered the point spread in 6 straight games after a point spread loss. But the encouraging developments for the Alabama faithful is the development of their offense under QB Mac Jones. The junior completed 28 of 32 passes against Ole Miss for 417 yards with two touchdowns. He is completing 79.5% of his passes while posting the second-best QBR in the nation. Jones was quite good playing for Tua Tagovailoa last season. He had two bad pick-sixes on the road at Auburn in a game that the Crimson Tide lost despite outgaining them by a 515-354 yardage margin. Alabama then sleepwalked in the first half in the Citrus Bowl against Michigan before rallying to crush the Wolverines by a 35-16 score. This will be the Crimson Tide’s biggest game since bitterly losing the Iron Bowl despite dominating that game. Expect this Alabama team to be very chippy. The Tide are very tough to beat when they have a powerful offense. Alabama averaged 9.89 Yards-Per-Play two weeks ago against Texas A&M for 544 yards before ripping off 10.2 YPP last week against Ole Miss for an incredible 723 yards. The Tide have covered the point spread in 9 of their last 12 games after gaining at least 525 yards in two straight games — and they have covered the point spread in 11 of their last 12 home games after averaging at least 7.25 YPP in two straight contests. Additionally, Alabama rushed for 306 yards last week — and they have then covered the point spread in 13 of their last 16 home games after rushing for at least 300 yards in their last game. Georgia has failed to cover the point spread in 6 of their last 8 games after a point spread cover — and they have also failed to cover the point spread in 6 of their last 8 games after a point spread cover as a double-digit favorite. The Bulldogs may have the best defense in the nation — but their eight starters that returned this season were torched for 37 points and 6.5 YPP when playing against LSU in the SEC Championship Game last season. The Crimson Tide have four returning starters on their offensive line with three seniors that will challenge the Bulldogs’ defensive line. They have a threatening passing attack that will stretch Georgia vertically and horizontally — and that should create huge rushing lanes for running back Najee Harris and Brian Robinson Jr.  That will likely be the difference for Alabama: Harris rushed for 206 yards with five touchdowns last week. He is averaging 3.1 yards-per-carry BEFORE contact (8th in the nation) and another 3.6 YPC AFTER contact (3rd in the nation). Led by Harris, the Tide offense leads the nation in both Success Rate and with their 6.5 rushing YPC average. The offensive firepower of Alabama simply cannot be matched by the Bulldogs offense which is the weak link in this game. Georgia only returned three starters from what was a pedestrian offense that was just 50th in scoring and 61st in total yardage. The young offensive line which remains a work-in-progress. The running backs and wide receivers are mostly a new group. And then there is the quarterback situation with walk-on Stetson Bennett the (current) starter. Bennett is playing because their two prized freshman recruits are not ready and former USC blue-chipper J.T. Daniels was only cleared to play two weeks ago. Head coach Kirby Smart likes Bennett because he is safe with the football while being capable with the passing attack — a junior level version of Jake Fromm. Well, that ain’t gonna get it done against Alabama. Bennett is small — just 5’11 and 190-lbs. He is a statue in the pocket. This is the profile of the quarterbacks that Saban defenses swallow and devour. The Bulldogs do not play with tempo and deploy a conventional pro-style offense that is designed to overwhelm lesser opponents. They are just 7th in the SEC on third-down conversion rate. I think first-year offensive coordinator Jeff Monken is fine — I think his impact on this game would have been stronger if it was being played in December rather than in their fourth game with this inexperienced offense. I suspect that Georgia will look to Daniels or another one of their quarterbacks before this game is over. The Bulldogs have failed to cover the point spread in 7 of their last 9 road games as an underdog — and Alabama has covered the point spread in 4 of their last 5 home games when favored.

FINAL TAKE: Saban has tested negative for COVID three straight times — so he has been cleared to be on the sidelines. Bottom-line: the Tide have won the last five meetings against Bulldogs teams with better offenses and certainly more threatening quarterbacks  — and this offense is catching the Bama defense on the wrong week after last week’s embarrassment. 25* CFB CBS-TV Game of the Month with the Alabama Crimson Tide (166) minus the points versus the Georgia Bulldogs (165). Best of luck for us — Frank.

At 9:30 PM ET on Friday, we will be playing the Houston Cougars (110) plus the points versus the BYU Cougars (109). THE SITUATION: Houston (1-0) won their opening game of the season last Thursday with their 49-31 win over Tulane as a 6.5-point favorite. BYU (4-0) remained undefeated last Saturday with their 27-20 win over UTSA as a 34-point favorite.

REASONS TO TAKE HOUSTON PLUS THE POINTS: Houston started slowly in finally getting their season started last week as they surrendered two defensive touchdowns to the Green Wave to find themselves down 24-7 early in the 2nd quarter. The Cougars then demolished Tulane the rest of the way by outscoring them by a 42-7 margin while outgaining them by 476 to 211 yards. Houston has covered the point spread in 5 of their last 6 games after allowing at least 24 points in their last game. BYU is getting the hype with their perfect record and +32.8 net PPG average — but I think it is the other Cougars in this game that are undervalued. Second-year head coach Dana Holgorsen returned nineteen starters while adding a whopping 33 transfer players from FBS, FCS, and junior college programs from last year’s group that finished 4-8. Holgorsen brought tanking and the de-facto “process” to college football last season with eleven players choosing to redshirt before losing eligibility by playing in their fifth game. This is a team loaded with talent coming off their worst won/loss record in 15 years. Holgorsen seems to have his QB to operate his version of the Air Raid in junior Clayton Tune who completed 20 of 33 passes for 319 yards with two touchdowns last week. Quarterbacks tend to see a big jump in their second-season under Holgorsen and his system. Houston has covered the point spread in 4 of their last 5 games after passing for at least 280 yards in their last game. The Cougars’ defense returns 93% of its productivity from last season while getting a bunch of new talent from transfers. Houston is a dangerous home dog as they are 21-7-1 ATS in their last 29 games when getting the points. These Cougars have also covered the point spread in 5 of their last 7 games in October — and they have covered the point spread in 7 of their last 9 games played on a Friday night. BYU has failed to cover the point spread in 5 of their last 7 games after a straight-up win — and they have failed to cover the point spread after a point spread loss. This team struggled against the Roadrunners as they struggled to finish drives in the Red Zone. This is troubling as they were 120th in the Red Zone last season. They also allowed UTSA to pass for 287 yards which were the most they allowed in the air all season. That is not a good sign when facing a Holgorsen Air Raid attack — and BYU has failed to cover the point spread in 5 of their last 6 games after allowing at least 280 passing yards in their last game. QB Zach Wilson did complete 21 of 30 passes for 292 yards in the win — but these Cougars have failed to cover the point spread in 8 of their last 9 games after passing for at least 280 yards in their last game. Frankly, I have considered this Cougars team to be a paper tiger: they opened their season by crushing a Navy team that was not physically prepared to play given their limited workouts due to COVID before returning home for three straight games at home against Troy and Louisiana Tech before the UTSA “showdown” last week. BYU has failed to cover the point spread in 7 of their last 9 games after winning at least two in a row — and they have failed to cover the point spread in 4 straight games after winning three games in a row. They have also failed to cover the point spread in 4 of their last 5 games after playing their last two games at home. BYU is not a good frontrunner either — they have failed to cover the point spread in 8 of their last 11 games when favored and they have failed to cover the point spread in 4 of their last 5 games on the road when laying the points.

FINAL TAKE: BYU has failed to cover the point spread in 24 of their last 34 games with the Total set at 63 or higher. Houston has covered the point spread in 4 of their last 5 games with the Total set in the 56.5 to 63 point range. 25* CFB Non-Conference Game of the Month with the Houston Cougars (110) plus the points versus the BYU Cougars (109). Best of luck for us — Frank.

At 7:30 PM ET on Thursday, we will be playing the Arkansas State Red Wolves (106) minus the points versus the Georgia State Panthers (105). THE SITUATION: Arkansas State (2-2) enters this game coming off a 50-27 win over Central Arkansas last Saturday as a 14.5-point favorite. Georgia State (1-1) returns to action after last playing on October 3rd when they upset East Carolina by a 49-29 score as a 2-point underdog.

REASONS TO TAKE THE RED WOLVES MINUS THE POINTS: Arkansas State will have something to prove in this game after being upset in their last game against an FBS opponent on October 3rd in their 52-23 loss at Coastal Carolina as a 3.5-point favorite. That was a difficult situation for the Red Wolves as they were playing their third straight game away from home. The Chanticleers are an underrated football team as well — as UL-Lafayette found out on Thursday night when they were upset at home against them. Arkansas State returned fifteen starters from last year’s team that finished 8-5 in a season culminating with a 34-26 win in the Camellia Bowl against FIU. The Red Wolves proved their mettle last month with a 35-31 upset win at Kansas State as a 15-point underdog (and perhaps they were due for a letdown when facing Coastal Carolina in their next game three weeks later). Despite their 2-2 record, they are outgaining their opponents by +56.8 net YPG. They stay at home in Jonesboro for just their second game this season where they have covered the point spread in 4 of their last 5 games — and they have covered the point spread in 10 of their last 16 home games when favored by 3.5 to 7 points. Arkansas State has also covered the point spread in 6 of their last 9 games with the Total set at 70 or higher. The Red Wolves have been playing high-scoring games with each of their four games totaling at least 61 combined points. These are the games that Arkansas State tends to thrive in under head coach Blake Anderson as they have covered the point spread in 4 of their last 5 games after playing four straight games where at least 60 combined points were scored. Anderson has yet to settle on a full-time quarterback with junior Logan Bonner the starter last season for the first four games before suffering a season-ending hand injury which presented the opportunity to former Alabama transfer Layne Hatcher to step in with the redshirt sophomore finish 8th in the FBS by averaging 294.6 passing YPG. Anderson is rotating both quarterbacks with them both combining to complete 61.2% of their passes for an offense that is averaging 342 passing YPG along with an 8.3 Yards-Per-Attempt average. Georgia State scored a defensive touchdown and a special teams touchdown against the Pirates to help them win their last game. They are just 1-3-1 ATS in their last 5 games after scoring at least 40 points in their last game. They also gained 485 yards in that game but they have failed to cover the point spread in 4 of their last 5 games after gaining at least 475 yards in their last game. The Panthers are using redshirt freshman Cornelius Brown as their quarterback who will be making his first start on the road with this being Georgia State’s first game away from their home in Atlanta at Georgia State Stadium which was previously Turner Field for the Atlanta Braves. Georgia State is just 2-10-2 ATS in their last 14 games on the road — and they have failed to cover the point spread in 7 of their last 9 games on the road. The Panthers have also failed to cover the point spread in 7 of their last 10 games after a game where at least 70 combined points were scored.

FINAL TAKE: Arkansas State will also be motivated to avenge a 52-38 upset loss at Georgia State last season where they were 6.5-point favorites. The Red Wolves have only had ten defensive players who have been available for all four of their games given injuries and COVID — but this unit will likely be at their healthiest for this game. 25* CFB Thursday ESPN Game of the Year with the Arkansas State Red Wolves (106) minus the points versus the Georgia State Panthers (105). Best of luck for us — Frank.

At 7:00 PM ET on Tuesday, we will be playing the Tennessee Titans (462) plus the points versus the Buffalo Bills (461). THE SITUATION: Tennessee (3-0) finally takes the field again after last playing on September 27th where they defeated the Vikings in Minnesota by a 31-30 score as a 3-point favorite. Buffalo (4-0) remained unbeaten last week with their 30-23 win at Las Vegas as a 3-point favorite on October 4th.

REASONS TO TAKE THE TITANS PLUS THE POINTS: Endorsing Tennessee for this game first required an up-to-date assessment regarding who will be playing tonight. The news early this afternoon is that both left tackle Taylor Lewan and wide receiver A.J. Brown are expected to play after being listed as questionable on the last official injured list submitted to the league on Saturday. I thought this would be the case with the extra days to rest and rehabilitate — but confirmation was essential for me to push the proverbial button on this play. The Titans have a long lost of players out due to COVID with wide receivers Adam Humphries and Corey Davis being two of those players. I do have sources at the private high school in Nashville where Tennessee conducted informal workouts last week violating NFL guidelines. These workouts were on multiple days (good!) that involved quarterback Ryan Tannehill (good!) working with coaches (good!) in passing drills which are presumably the players that will be taking Humphries and Davis spots tonight (good!). I am not thrilled that the Titans will have had only two practices back at their open facilities since Saturday — but that is similar to the regimen for teams playing on a Thursday after a short week. At least Tennessee has stayed at home this entire time. And getting seventeen days of rest does not hurt. I think this will be a big night for running back Derrick Henry (who was not at the informal workouts — he was resting, which is good!) who may be poised to have his best game of the season running behind Lewan. I also like the extended time that head coach Mike Vrabel and his staff have had to devise a scheme-specific against the Bills’ QB Josh Allen. The only other significant loss for the Titans from COVID is defensive end, Jeffery Simmons. Tennessee has not covered the point spread yet this season — but they have covered the point spread in 5 of their last 7 games after both a straight-up win where they did not cover the point spread in and after failing to cover the point spread in at least two straight games. Tannehill led an offense that generated 444 yards against the Vikings in their last game — and they have covered the point spread in 6 of their last 8 games after gaining at least 400 yards. And in their last 12 games when getting 3.5 to 9.5 points, Tennessee has covered the point spread 8 times. Buffalo has won and covered the point spread in all four of their games this season — but I don’t like it when teams that are red hot get out of their routine. As it is, the Bills have failed to cover the point spread in 16 of their last 21 games after winning at least four games in a row. Additionally, Buffalo has failed to cover the point spread in 5 of their last 7 games after covering the point spread in their last two games — and they have failed to cover the point spread in 38 of their last 60 games after covering the point spread in three of their last four games. The Bills have won all three of their games decided by one possession including two wins by just a field goal. They enjoyed a +2 net turnover margin in their win over the Raiders — but they have then failed to cover the point spread in 5 of their last 8 games after generating a +2 or better net turnover margin in their last game.

FINAL TAKE: Tennessee is 7-2-1 ATS in their last 10 games against fellow AFC opponents while Buffalo is just 1-3-1 ATS in their last 5 games against AFC foes. While skepticism over the Titans after their long break is deserved, the market has over-adjusted (fueled by the Allen-hype) in making them road favorites of at least a field goal where they would typically be small road dogs according to most power rankings. 25* AFC Game of the Month with the Tennessee Titans (462) plus the points versus the Buffalo Bills (461). Best of luck for us — Frank.

At 8:15 PM ET on Monday, we will be playing the Los Angeles Chargers (477) plus the points versus the New Orleans Saints (478). THE SITUATION: Los Angeles (1-3) has lost three straight games after their 38-31 loss at Tampa Bay as a 7.5-point underdog last Sunday. New Orleans (2-2) snapped a two-game losing streak last Sunday with their 35-29 victory in Detroit against the Lions as a 3-point favorite.

REASONS TO TAKE THE CHARGERS PLUS THE POINTS: The Saints have failed to cover the point spread in 5 of their last 7 games after a point spread loss. New Orleans is a banged-up football team. On defense, cornerbacks Janoris Jenkins and Marston Lattimore along with defensive end Marcus Davenport are all questionable with injuries. On offense, the offensive line is dealing with injuries to Andrus Peat and Ryan Ramczyk that leave them questionable for tonight. And while wide receiver Michael Thomas was questionable with the ankle that kept him out the previous two games, he was suspended for tonight’s game by the field after a physical altercation with a teammate. All these issues will make it harder for a team to cover a point spread of about a touchdown — the Saints just want the victory. They are scoring 30.8 PPG — but they are also allowing 30.8 PPG so far this season. They return home to the Big Easy where they have failed to cover the point spread in 5 of their last 7 games — and they have also failed to cover the point spread in 10 of their last 14 home games when laying the points. Los Angeles has lost all three of their games by 7 points or less. The Chargers had a 24-7 lead in the second quarter against the Buccaneers before blowing that lead to Tom Brady and company. They also blew a lead against Kansas City before losing that game in overtime — and a fumbled lateral in the waning moments of their game with Carolina probably cost them that victory. This is a quality roster with a good head coach in Anthony Lynn. I am worried about their injuries — particularly on the offensive line. But the Chargers put up 31 points against a very good Tampa Bay defense despite the injuries to Trai Turner and Bryan Bulaga who are starters on their offensive line. They seem to have made the right decision in drafting Justin Herbert at quarterback. The rookie has completed 72% of his passes for 831 yards and an 8.7 Yards-Per-Pass-Attempt average. Running back Austin Ekeler is out but they have a solid stable of running backs with rookie Joshua Kelley out of UCLA and former Northwestern Wildcat Josh Jackson. Los Angeles has covered the point spread in 23 of their last 31 road games after losing at least three games in a row. The Chargers are also 3-0-1 ATS in their last 4 games on the road — and they have covered the point spread in 17 of their last 23 road games with the total set at 49.5 or higher.

FINAL TAKE: Los Angeles is 9-3-2 ATS in their last 14 games as an underdog — and they are 33-15-4 ATS in their last 52 road games when getting the points. New Orleans has failed to cover the point spread in 6 of their last 8 games on Monday Night Football — and remember that they will not have a packed and rowdy home crowd for this game given COVID restrictions. 25* NFL Non-Conference Game of the Month with the Los Angeles Chargers (477) plus the points versus the New Orleans Saints (478). Best of luck for us — Frank.

At 8:20 PM ET on Sunday, we will be playing the Minnesota Vikings (475) plus the points versus the Seattle Seahawks (476). THE SITUATION: Minnesota (1-3) won their first game of the season last Sunday with their 31-23 upset win at Houston as a 3.5-point underdog. Seattle (4-0) remains unbeaten this season after they defeated Miami on the road last week by a 31-23 score as a 4.5-point favorite.

REASONS TO TAKE THE VIKINGS PLUS THE POINTS: Earning their first win of the season was a good start — but Minnesota remains in an urgent situation with Green Bay and Chicago only having one loss between the both of them in the NFC North. The Vikings have covered the point spread in 7 of their last 9 games after losing two of their last three games. Quarterback Kirk Cousins has received his usual level of criticism during the losing streak — but he has led an offense that has scored 61 combined points over the last two games and that has reached the 30-point threshold in three of their four games this season. Justin Jefferson has emerged as a solid replacement for Stefon Diggs and a good complement to Adam Thielen — he has 11 receptions for 278 yards. Minnesota generated 410 yards last week — and they have covered the point spread in 8 of their last 12 games after gaining at least 400 yards in their last game. Delvin Cook has been outstanding this season with two straight 100-yard rushing efforts. He ran the ball 27 times for 130 yards and two touchdowns last week. Cook’s success running the football allowed the Vikings to control the time of possession for 36:31 minutes — and this will be the formula for success tonight to keep Russell Wilson off the field. Minnesota rushed for 162 yards overall against the Texans — and they have covered the point spread in 11 of their last 16 games after rushing for at least 150 yards in their last game. The Vikings are also 9-2-1 ATS in their last 12 games in October. Seattle looks to become 5-0 on the season for the first time in franchise history. They have passed for at least 275 yards in all four of their games — but they have then failed to cover the point spread in 8 of their last 13 games after passing for at least 275 yards in three straight games. But the bigger concern is their defense that is allowing 476.8 total YPG. The Seahawks are being outgained by -60.5 net YPG this season — it is their +5 net turnover margin that has helped them overcome that disparity. But the turnovers are fickle — and Seattle will not have the services of their star defensive back Jamal Adams for this game as he deals with a groin injury. As it is, the Seahawks have allowed at least 312 passing yards in all four of their games — and they have failed to cover the point spread in 4 of their last 5 games after allowing at least 275 passing yards in three straight games. Seattle returns home where they will not have any fans in the stadium — and they have failed to cover the point spread in 7 of their last 9 home games. The Seahawks are also just 1-4-1 ATS in their last 6 games against fellow AFC opponents.

FINAL TAKE: Cousins has the reputation of folding under the bright lights of nationally-televised prime-time games — but the numbers do not support that claim for Sunday Night Football. Cousin has led his team to a victory in four of his six starts on a Sunday night. Furthermore, his 320.5 passing YPG average, 73.3% completion percentage, and his 117.3 Passer Rating represent the best marks of all NFL quarterbacks playing on Sunday Night Football. 25* NFL Sunday Night Football Game of the Month with the Minnesota Vikings (475) plus the points versus the Seattle Seahawks (476). Best of luck for us — Frank.

At 1:00 PM ET on Sunday, we will be playing the Houston Texans (460) minus the points versus the Jacksonville Jaguars (459). THE SITUATION: Houston (0-4) remained winless last week after their 31-23 upset loss at Minnesota last Sunday despite being a 3.5-point favorite. Jacksonville (1-3) has lost three straight games after their 33-25 loss at Cincinnati last week as a 1-point underdog.

REASONS TO TAKE THE TEXANS MINUS THE POINTS: Houston sacked head coach and general manager Bill O’Brien after Sunday’s loss. The speculation is that J.J. Watt’s frustration with O’Brien finally boiled over which resulted in a verbal altercation between the two. When the star players begin to turn on you, then ownership needed to make a move to change the atmosphere. Because Watt demonstrated leadership to take on O’Brien in a move he had to think would cause waves, I expect a big from him and the rest of the team as they rally around each other and interim head coach Romeo Crennel who is universally-liked on the team. At 73-years old, Crennel not only replaces Pete Carroll as the league’s elder statesman at head coach but he will be the oldest head coach in NFL history. As it is, the Texans have covered the point spread in 4 of their last 5 games after a loss at home — and they have covered the point spread in 15 of their last 20 games when staying at home after a loss at home. Houston has also covered the point spread in their last 3 games after an upset loss at home. The biggest problem for this team is their run defense as they rank last in the league by allowing 181.1 rushing YPG. They have allowed all four of their opponents to rush for at least 162 yards this season — but not only have they have covered the point spread in 12 of their last 19 games after allowing at least 150 rushing yard in two straight games but they have also covered the point spread in 5 of their last 6 games after allowing at least 150 rushing yards in three straight games. Jacksonville has failed to cover the point spread in 6 of their last 8 games after a straight-up loss — and they have failed to cover the point spread in 5 of their last 7 games after a point spread loss. The Jaguars’ defense has issues of their own after allowing the Bengals to rack up 505 yards last week with 205 of those yards coming on the ground. Jacksonville has failed to cover the point spread in 5 of their last 6 games after allowing at least 30 points — and they have failed to cover the point spread in 6 straight games after allowing at least 200 rushing yards. The Jags will be without cornerback D.J. Hayden who was placed on injured reserve this week with a hamstring injury. Look for Deshaun Watson to have a big game against the inexperienced Jacksonville secondary. The Jaguars have failed to cover the point spread in 5 of their last 7 games on the road as an underdog. And in their last 9 games in October, Jacksonville has failed to cover the point spread in 7 of these contests.

FINAL TAKE: Teams that fired their head coach midseason have only covered the point spread twice in these last eight situations — but that limited sample size deserves some context. Often these moves are made later in the season when the team is out of playoff contention and planning their offseason. And often the fired head coach was generally liked and respected — Carolina laid an egg in their first game after Ron Rivera was fired late in the year as they appeared dejected with the move by ownership. I suspect the Houston players have had the Wizard of Oz on loop all week because they think that the “wicked witch is dead.” The Texans won both meetings between these two teams last season so they have to think this is a winnable game if they get back to basics. 25* AFC South Game of the Month with the Houston Texans (460) minus the points versus the Jacksonville Jaguars (459). Best of luck for us — Frank.

At 7:30 PM ET on Saturday, we will be playing the Clemson Tigers (318) minus the points versus the Miami (FL) Hurricanes (317). THE SITUATION: Clemson (3-0) is unbeaten so far this season after their 41-23 victory over Virginia last week as a 27.5-point favorite. Miami (3-0) is also undefeated on the season after they crushed Florida State two weeks ago by a 52-10 score as a 12-point favorite.

REASONS TO TAKE THE TIGERS MINUS THE POINTS: The Hurricanes look to be an improved team after second-year head coach Manny Diaz modernized his offense by bringing in former SMU offensive coordinator Rhett Lashlee to implement his version of an up-tempo spread offense while matching him with former Houston QB D’Eriq King who transferred to the program in the offseason. Miami is 7th in the nation by averaging 43.3 PPG which is taking a lot of pressure off their usually-talented defense. But after playing UAB, Louisville (now 1-3), and the Seminoles (who are a mess), this is a significant upgrade in competition. Yet the Hurricanes have failed to cover the point spread in 5 of their last 6 games after a win by at least 20 points — and they have failed to cover the point spread in 4 of their last 5 games after scoring at least 40 points in their last game. Miami generated 517 yards of offense against Florida State after gaining 485 yards against Louisville — but they have then failed to cover the point spread in 17 of their last 25 games after gaining at least 450 yards in their last game. They also have failed to cover the point spread in 16 of their last 22 games after gaining at least 475 yards in two straight games. We are supposed to believe that this Hurricanes’ defense is loaded — but they did lose 25.5 of their sacks from last season. There are warning signs that this is not an elite unit. Louisville — the team Georgia Tech beat last night — generated 516 yards against them two weeks ago while exposing the Miami defense against both the run (209 rushing yards allowed) and the pass (307 passing yards allowed). The Hurricanes are allowing 3.96 Yards-Per-Carry which is 10th in the ACC in run defense. Miami’s Achilles heel in their bigger games last season was their suspect offensive line that struggled in the run game while surrendering 51 sacks which was the most of all Power Five conference teams. Four starters return from that group who are now coached by Garin Justice. They face a handful of future NFL players from this Clemson front seven that has racked up 27 tackles-for-loss along with 13 sacks already this season. The Tigers have covered the point spread in 20 of their last 28 games after a win by at least 20 points. They also have covered the point spread in 4 of their last 5 games after scoring at least 40 points in their last game — and they have covered the point spread in 4 of their last 5 games after a point spread loss. The Tigers allowed Virginia to generate 417 yards last week in their comfortable victory — and that lackluster effort is probably just what defensive coordinator Brent Venables needs to get his unit’s attention in practice this week. Clemson tends to raise their level of play at this point in the season. Since 2015, Dabo Swinney’s team is just 12-12-1 ATS against FBS opponents in their opening games through the first weekend in October. The offense averages 34.2 PPG in those contests with 42% of their victories being by at least three touchdowns. Swinney is still learning his team while experimenting with some things — and the schedule is usually pretty soft. However, from the second week of October through the rest of the season since 2015, the Tigers are 29-15-2 ATS with a 40.8 PPG scoring average along with 51% of their victories being by at least three touchdowns. After their 21-20 scare against the Cavaliers last year, Clemson’s next eight regular-season victories were by an averaging winning margin of +42.1 PPG with the team outgaining their opponents by +348 net YPG. The Tigers have covered the point spread in 10 of their last 14 games against teams with a winning record — and they have covered the point spread in 5 of their last 7 home games. Furthermore, Clemson is 6-1-1 ATS in October — and the Hurricanes have failed to cover the point spread in 12 of their last 15 games in October.

FINAL TAKE: This is Clemson’s first high-profile game since their 42-25 loss to LSU in the National Championship Game — so I expect Trevor Lawrence and company to be very motivated. This Miami team lacks big-game experience — and this is a program that has lost their last three opportunities to defeat a top-ten team. A paper tiger will be exposed to real tigers. 25* CBB ACC Game of the Month with the Clemson Tigers (318) minus the points versus the Miami (FL) Hurricanes (317). Best of luck for us — Frank.

At 9:00 PM ET on Monday, we will be playing the Atlanta Falcons (279) plus the points versus the Green Bay Packers (280). THE SITUATION: Atlanta (0-3) will be playing with desperation tonight after losing their third straight game last Sunday by a 30-26 score despite being a 2.5-point favorite. Green Bay (3-0) is unbeaten so far this season after they upset New Orleans last Sunday night by a 37-30 score on the road as a 3.5-point underdog.

REASONS TO TAKE THE FALCONS PLUS THE POINTS: Atlanta had a 26-10 lead with 6 1/2 minutes to go in that game before surrendering the final 20 points in that game to lose to the Bears. That collapse came on the heels of them blowing a 39-24 lead with 5 minutes left in the game two weeks ago against the Cowboys in their 40-39 loss. The Falcons may not be able to keep a lead — but they remain competitive. They have covered the point spread in 6 of their last 7 games as an underdog. Atlanta is moving the ball on offense — they are scoring 30.0 PPG while averaging 419.0 total YPG. They generated 371 yards last week against the Bears — and they have then covered the point spread in 6 of their last 8 games after gaining at least 350 yards in their last game. They should be able to score against this Packers defense that is last in the NFL by allowing 6.6 Yards-Per-Play. Opposing quarterbacks have racked up a Passer Rating of 113.4 which is the 3rd highest in the league. Green Bay is also allowing opposing rushers to average 5.5 Yards-Per-Carry. The Falcons’ biggest problem is their defense that is ravaged with injuries in their secondary. They allowed the Bears to gain 437 yards last week after the Cowboys gained 570 yards against them. Atlanta has covered the point spread in 21 of their last 30 games after allowing at least 400 yards in their last game. Moving forward, the Falcons have covered the point spread in 5 straight games on the road. Green Bay has failed to cover the point spread in 5 of their last 7 games after winning three games in a row. The Packers have also failed to cover the point spread in 6 of their last 8 games after a win on the road — and they have failed to cover the point spread in 12 of their last 18 games after a point spread win. Additionally, the Packers have failed to cover the point spread in 5 of their last 6 games off a game on the road where both teams scored at least 24 points. They will not have the services of their best wide receiver, Davante Adams, who will not play with a hamstring injury despite him participating in practice at the end of the week. Green Bay is dealing with a number of injuries with wide receiver Allan Lazard and linebacker Christian Kirksey out tonight.

FINAL TAKE: Atlanta has covered the point spread in 5 of their last 7 games against teams with a winning record. Look for them to keep this game close and perhaps pull the upset. 25* NFL Monday Night Football Special Feature with the Atlanta Falcons (279) plus the points versus the Green Bay Packers (280). Best of luck for us — Frank.