| Arizona St | #7 | #19 | 8-3 | - Against Louisville (Harbin #19, the spot the BCS standings gives Arizona St), Arizona St beat 2 teams with 8+ wins (Iowa 9-2 and UTEP 8-3), so its beaten opponents earned 292.5 Level 1 points in all (220.5 for Louisville's), a Level 2 term of 23.8 to 18.2; Louisville beat 7 teams with losing records (Army 2-9, East Carolina 2-9, Kentucky 2-9, Houston 3-8 and 3 more), which add little to Level 2. This accounts for 5.90 points, more than the whole 5.33-point rating gap; other factors pull the other way.
- Arizona St's wins earn more: 6.31 Level 1 points per win, against 5.30 for Louisville. 7 of its 8 wins came over top-tier teams (6.5 each: Iowa #5, Northwestern #43, Oregon St #48, UCLA #63 and 3 more); Louisville had 2 of 10, plus 8 over other FBS teams (5.0 each: Army, East Carolina, South Florida, Memphis and 4 more). This accounts for 0.83 of the 5.33-point rating gap (16%).
- Arizona St's loss to 3-8 Arizona counts no more in Harbin than a loss to a top-10 team; it is #19 in the BCS standings.
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| Texas Tech | #32 | #22 | 7-4 | - Against Ohio State (Harbin #22, the spot the BCS standings gives Texas Tech), Texas Tech's beaten opponents earned 171.5 Level 1 points in all (215.0 for Ohio State's), a Level 2 term of 14.1 to 17.5. Texas Tech beat 6 teams with losing records (Baylor 3-8, SMU 3-8, Kansas 4-7, Kansas St 4-7 and 2 more), which add little to Level 2; Ohio State beat 1 team with 8+ wins (Michigan 9-2). This accounts for 3.55 points, more than the whole 3.42-point rating gap; other factors pull the other way.
- Texas Tech has no win over a Harbin top-25 team (best win: Oklahoma St #26).
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| Louisville | #19 | #10 | 10-1 | - Against Utah (Harbin #10, the spot the BCS standings gives Louisville), Louisville's beaten opponents earned 220.5 Level 1 points in all (272.0 for Utah's), a Level 2 term of 18.2 to 22.5. Louisville beat 7 teams with losing records (Army 2-9, East Carolina 2-9, Kentucky 2-9, Houston 3-8 and 3 more), which add little to Level 2; Utah beat no team with 8+ wins. This accounts for 4.26 of the 4.85-point rating gap (88%).
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| Iowa | #5 | #12 | 9-2 | - Against Georgia (Harbin #12, the spot the BCS standings gives Iowa), Iowa beat 1 team with 8+ wins (Wisconsin 9-2), so its beaten opponents earned 300.0 Level 1 points in all (275.5 for Georgia's), a Level 2 term of 24.6 to 22.4; Georgia beat 3 teams with losing records (Kentucky 2-9, Vanderbilt 2-9 and Arkansas 5-6) and FCS GA Southern, which add little to Level 2. This accounts for 2.00 of the 2.51-point rating gap (80%).
- Iowa beat 2 Harbin top-25 teams (Wisconsin #18 and Ohio State #22) and 3 more in the top 50 (Purdue #28, Minnesota #46 and Iowa State #47).
- Iowa's Level 2 term (24.6) ranks #5 in FBS: Harbin rewards beating teams that won a lot.
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| Michigan | #6 | #13 | 9-2 | - Against Virginia Tech (Harbin #13, the spot the BCS standings gives Michigan), The teams Virginia Tech played had 133 games on their schedules in all, against 124 for Michigan's, and Level 2 is divided by that total, so each team Virginia Tech beat adds less. This accounts for 1.58 of the 2.05-point rating gap (77%).
- Michigan beat 2 teams with 8+ wins (Iowa 9-2 and Miami OH 8-4), so its beaten opponents earned 292.0 Level 1 points in all (286.5 for Virginia Tech's), a Level 2 term of 23.5 to 21.5; Virginia Tech beat 4 teams with losing records (W Michigan 1-10, Duke 2-9, Wake Forest 4-7 and Maryland 5-6) and FCS Florida A&M, which add little to Level 2. This accounts for 0.43 of the 2.05-point rating gap (21%).
- Michigan beat 1 Harbin top-25 team (Iowa #5) and 3 more in the top 50 (Purdue #28, Northwestern #43 and Minnesota #46).
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