| Oklahoma St | #32 | #21 | 9-3 | - Against Boise St (Harbin #21, the spot the BCS standings gives Oklahoma St), Oklahoma St's beaten opponents earned 220.5 Level 1 points in all (271.0 for Boise St's), a Level 2 term of 15.1 to 17.2. Oklahoma St beat 5 teams with losing records (SMU 0-12, Baylor 3-9, Louisiana 4-8, Texas A&M 4-8 and 1 more) and FCS Missouri St, which add little to Level 2; Boise St beat 3 teams with 8+ wins (Fresno St 8-5, Hawai'i 8-5 and Tulsa 8-4). This accounts for 3.33 points, more than the whole 2.30-point rating gap; other factors pull the other way.
- Oklahoma St lost 3 of its 12 games (Nebraska 9-3, Oklahoma 12-1 and Texas 10-2), and every loss is a game worth 0 points in the Level 1 average: 9 of its 12 games earn points, against 12 of 13 for Boise St (lost to Oregon St 7-5). This accounts for 0.90 of the 2.30-point rating gap (39%).
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| Minnesota | #36 | #25 | 9-3 | - Against Clemson (Harbin #25, the spot the BCS standings gives Minnesota), Minnesota's beaten opponents earned 203.5 Level 1 points in all (246.5 for Clemson's), a Level 2 term of 14.1 to 17.1. Minnesota beat 5 teams with losing records (Illinois 1-11, Indiana 2-10, Ohio 2-10, Penn State 3-9 and 1 more), which add little to Level 2; Clemson beat 1 team with 8+ wins (Florida St 10-2). This accounts for 2.99 points, more than the whole 2.53-point rating gap; other factors pull the other way.
- Minnesota has no win over a Harbin top-25 team (best win: Wisconsin #33).
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| Utah | #12 | #22 | 9-2 | - Against Nebraska (Harbin #22, the spot the BCS standings gives Utah), Utah beat 1 team with 8+ wins (Oregon 8-4), so its beaten opponents earned 275.5 Level 1 points in all (249.0 for Nebraska's), a Level 2 term of 20.7 to 17.1; Nebraska beat 5 teams with losing records (Iowa State 2-10, Penn State 3-9, Utah State 3-9, Texas A&M 4-8 and 1 more), which add little to Level 2. This accounts for 1.90 of the 3.52-point rating gap (54%).
- The teams Nebraska played had 146 games on their schedules in all, against 133 for Utah's, and Level 2 is divided by that total, so each team Nebraska beat adds less. This accounts for 1.76 of the 3.52-point rating gap (50%).
- Utah beat 1 Harbin top-25 team (Oregon #19) and 4 more in the top 50 (Colorado St #37, California #39, UNLV #41 and Air Force #49).
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| Purdue | #23 | #14 | 9-3 | - Against Iowa (Harbin #14, the spot the BCS standings gives Purdue), Purdue's beaten opponents earned 241.0 Level 1 points in all (281.5 for Iowa's), a Level 2 term of 16.6 to 19.4. Purdue beat 6 teams with losing records (Illinois 1-11, Arizona 2-10, Indiana 2-10, Penn State 3-9 and 2 more), which add little to Level 2; Iowa beat 3 teams with 8+ wins (Miami OH 12-1, Michigan 10-2 and Minnesota 9-3). This accounts for 2.79 points, more than the whole 2.54-point rating gap; other factors pull the other way.
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| Maryland | #16 | #23 | 9-3 | - Against Purdue (Harbin #23, the spot the BCS standings gives Maryland), Maryland beat 2 teams with 8+ wins (Clemson 8-4 and West Virginia 8-4), so its beaten opponents earned 273.5 Level 1 points in all (241.0 for Purdue's), a Level 2 term of 19.0 to 16.6; Purdue beat 6 teams with losing records (Illinois 1-11, Arizona 2-10, Indiana 2-10, Penn State 3-9 and 2 more), which add little to Level 2. This accounts for 2.25 points, more than the whole 1.96-point rating gap; other factors pull the other way.
- Maryland beat 1 Harbin top-25 team (Clemson #25) and 3 more in the top 50 (West Virginia #29, NC State #35 and Virginia #40).
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| Oregon | #19 | - | 8-4 | - Against Ole Miss (Harbin #26, the first spot outside the BCS standings's top 25), Oregon beat 1 team with 8+ wins (Michigan 10-2), so its beaten opponents earned 258.0 Level 1 points in all (234.5 for Ole Miss's), a Level 2 term of 18.0 to 16.1; Ole Miss beat 6 teams with losing records (UL Monroe 1-11, Mississippi St 2-10, Vanderbilt 2-10, Alabama 4-9 and 2 more), which add little to Level 2. This accounts for 1.63 points, more than the whole 1.56-point rating gap; other factors pull the other way.
- The teams Ole Miss played had 146 games on their schedules in all, against 143 for Oregon's, and Level 2 is divided by that total, so each team Ole Miss beat adds less. This accounts for 0.35 of the 1.56-point rating gap (23%).
- Oregon's loss to 5-7 Arizona St counts no more in Harbin than a loss to a top-10 team; it is unranked in the BCS standings.
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| Ole Miss | #26 | #19 | 9-3 | - Against Oregon (Harbin #19, the spot the BCS standings gives Ole Miss), Ole Miss's beaten opponents earned 234.5 Level 1 points in all (258.0 for Oregon's), a Level 2 term of 16.1 to 18.0. Ole Miss beat 6 teams with losing records (UL Monroe 1-11, Mississippi St 2-10, Vanderbilt 2-10, Alabama 4-9 and 2 more), which add little to Level 2; Oregon beat 1 team with 8+ wins (Michigan 10-2). This accounts for 1.63 points, more than the whole 1.56-point rating gap; other factors pull the other way.
- The teams Ole Miss played had 146 games on their schedules in all, against 143 for Oregon's, and Level 2 is divided by that total, so each team Ole Miss beat adds less. This accounts for 0.35 of the 1.56-point rating gap (23%).
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| Southern Miss | #20 | - | 9-3 | - Against Ole Miss (Harbin #26, the first spot outside the BCS standings's top 25), Southern Miss beat 2 teams with 8+ wins (TCU 11-1 and Memphis 8-4), so its beaten opponents earned 265.0 Level 1 points in all (234.5 for Ole Miss's), a Level 2 term of 18.3 to 16.1; Ole Miss beat 6 teams with losing records (UL Monroe 1-11, Mississippi St 2-10, Vanderbilt 2-10, Alabama 4-9 and 2 more), which add little to Level 2. This accounts for 2.10 points, more than the whole 1.34-point rating gap; other factors pull the other way.
- Southern Miss's loss to 4-9 Alabama counts no more in Harbin than a loss to a top-10 team; it is unranked in the BCS standings.
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