| Wisconsin | #17 | #7 | 11-1 | - Against Oklahoma (Harbin #7, the spot the BCS standings gives Wisconsin), Wisconsin's beaten opponents earned 278.0 Level 1 points in all (352.0 for Oklahoma's), a Level 2 term of 19.3 to 22.4. Wisconsin beat 6 teams with losing records (Buffalo 2-10, Illinois 2-10, San Diego St 3-9, Bowling Green 4-8 and 2 more) and FCS W Illinois, which add little to Level 2; Oklahoma beat 2 teams with 9+ wins (Nebraska 9-4 and Texas A&M 9-3). This accounts for 4.93 points, more than the whole 3.09-point rating gap; other factors pull the other way.
- Wisconsin has no win over a Harbin top-25 team (best win: Penn State #36).
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| Boston College | #15 | #24 | 9-3 | - Against BYU (Harbin #24, the spot the BCS standings gives Boston College), Boston College beat 3 teams with 9+ wins (BYU 10-2, Virginia Tech 10-2 and C Michigan 9-4), so its beaten opponents earned 307.5 Level 1 points in all (249.5 for BYU's), a Level 2 term of 21.1 to 17.4; BYU beat 5 teams with losing records (Utah State 1-11, UNLV 2-9, San Diego St 3-9, Air Force 4-8 and 1 more), which add little to Level 2. This accounts for 4.01 points, more than the whole 3.66-point rating gap; other factors pull the other way.
- Boston College beat 2 Harbin top-25 teams (Virginia Tech #11 and BYU #24) and 4 more in the top 50 (Clemson #28, Maryland #33, C Michigan #40 and Florida St #49).
- Boston College's loss to 3-9 NC State counts no more in Harbin than a loss to a top-10 team; it is #24 in the BCS standings.
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| Arkansas | #20 | #12 | 10-3 | - Against Notre Dame (Harbin #12, the spot the BCS standings gives Arkansas), Arkansas's beaten opponents earned 278.0 Level 1 points in all (314.5 for Notre Dame's), a Level 2 term of 19.4 to 21.5. Arkansas beat 5 teams with losing records (Utah State 1-11, Mississippi St 3-9, Ole Miss 4-8, UL Monroe 4-8 and 1 more) and FCS SE Missouri, which add little to Level 2; Notre Dame beat 2 teams with 9+ wins (Georgia Tech 9-4 and Navy 9-3). This accounts for 2.53 of the 4.26-point rating gap (59%).
- Arkansas lost the SEC title game to Florida (12-1): it was its 13th game and earned 0 points, so its Level 1 average fell from 4.88 to 4.50 and Florida's 13 games went into its divisor with nothing earned; without that game Arkansas would rate 24.32 instead of 22.32. This accounts for 2.00 of the 4.26-point rating gap (47%).
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| Rutgers | #10 | #16 | 10-2 | - Against Texas (Harbin #16, the spot the BCS standings gives Rutgers), Rutgers beat 3 teams with 9+ wins (Louisville 11-1, Navy 9-3 and Ohio 9-4), so its beaten opponents earned 321.5 Level 1 points in all (300.5 for Texas's), a Level 2 term of 22.3 to 20.7; Texas beat 3 teams with losing records (North Texas 3-9, Baylor 4-8 and Iowa State 4-8) and FCS Sam Houston, which add little to Level 2. This accounts for 1.45 of the 2.14-point rating gap (68%).
- Rutgers lost 2 of its 12 games (Cincinnati 7-5 and West Virginia 10-2), against 3 of 12 for Texas (lost to Ohio State 12-0, Kansas St 7-5 and Texas A&M 9-3), and every loss is a game worth 0 points in the Level 1 average. This accounts for 0.48 of the 2.14-point rating gap (23%).
- Rutgers beat 1 Harbin top-25 team (Louisville #5) and 2 more in the top 50 (South Florida #38 and Ohio #46).
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