| Oregon | #10 | - | 8-4 | - Against Kentucky (Harbin #26, the first spot outside the BCS standings's top 25), Oregon beat 2 teams with 9+ wins (Arizona St 10-2 and USC 10-2), so its beaten opponents earned 332.0 Level 1 points in all (249.0 for Kentucky's), a Level 2 term of 22.9 to 17.2; Kentucky beat 2 teams with losing records (Kent State 3-9 and Vanderbilt 5-7) and FCS E Kentucky, which add little to Level 2. This accounts for 5.72 of the 6.56-point rating gap (87%).
- Oregon beat 3 Harbin top-25 teams (USC #9, Arizona St #11 and Michigan #22).
- Oregon's loss to 5-7 Arizona counts no more in Harbin than a loss to a top-10 team; it is unranked in the BCS standings.
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| Hawai'i | #23 | #10 | 12-0 | - Against Oregon (Harbin #10, the spot the BCS standings gives Hawai'i), Hawai'i's beaten opponents earned 240.0 Level 1 points in all (332.0 for Oregon's), a Level 2 term of 16.6 to 22.9. Hawai'i beat 7 teams with losing records (Idaho 1-11, UNLV 2-10, Utah State 2-10, New Mexico St 4-9 and 3 more) and FCS N Colorado and FCS Charleston So, which add little to Level 2; Oregon beat 2 teams with 9+ wins (Arizona St 10-2 and USC 10-2). This accounts for 6.34 points, more than the whole 5.64-point rating gap; other factors pull the other way.
- Hawai'i's wins earn less: 4.79 Level 1 points per win, against 6.13 for Oregon. 11 of its 12 wins came over teams worth less than a top-tier win (6.5): 9 over other FBS teams (5.0 each: Louisiana Tech, UNLV, Idaho, Utah State and 5 more) and FCS N Colorado and FCS Charleston So (3.0 each); Oregon had 2 (2 over other FBS teams (5.0 each: Houston and Fresno St)). This accounts for 1.11 of the 5.64-point rating gap (20%).
- Hawai'i has no win over a Harbin top-25 team (best win: Boise St #33).
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| South Florida | #12 | #21 | 9-3 | - Against Texas (Harbin #21, the spot the BCS standings gives South Florida), South Florida beat 2 teams with 9+ wins (UCF 10-3 and West Virginia 10-2), so its beaten opponents earned 310.5 Level 1 points in all (269.5 for Texas's), a Level 2 term of 21.6 to 18.5; Texas beat 5 teams with losing records (Baylor 3-9, Iowa State 3-9, Rice 3-9, Arkansas St 5-7 and 1 more), which add little to Level 2. This accounts for 2.83 of the 3.06-point rating gap (92%).
- South Florida beat 1 Harbin top-25 team (West Virginia #5) and 2 more in the top 50 (UCF #29 and Auburn #30).
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| Boise St | #33 | #24 | 10-2 | - Against Wisconsin (Harbin #24, the spot the BCS standings gives Boise St), Boise St's beaten opponents earned 215.5 Level 1 points in all (242.0 for Wisconsin's), a Level 2 term of 14.9 to 16.9. Boise St beat 6 teams with losing records (Idaho 1-11, Utah State 2-10, New Mexico St 4-9, Louisiana Tech 5-7 and 2 more) and FCS Weber St, which add little to Level 2; Wisconsin beat no team with 9+ wins. This accounts for 1.84 of the 2.39-point rating gap (77%).
- Boise St's wins earn less: 4.80 Level 1 points per win, against 5.78 for Wisconsin. 10 of its 10 wins came over teams worth less than a top-tier win (6.5): 9 over other FBS teams (5.0 each: Wyoming, Southern Miss, New Mexico St, Nevada and 5 more) and FCS Weber St (3.0); Wisconsin had 3 (2 over other FBS teams (5.0 each: UNLV and N Illinois) and FCS The Citadel (3.0)). This accounts for 0.77 of the 2.39-point rating gap (32%).
- Boise St has no win over a Harbin top-25 team (best win: Fresno St #66).
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| Kansas | #16 | #8 | 11-1 | - Against Boston College (Harbin #8, the spot the BCS standings gives Kansas), Kansas's beaten opponents earned 275.5 Level 1 points in all (364.5 for Boston College's), a Level 2 term of 19.0 to 25.3. Kansas beat 6 teams with losing records (FIU 1-11, Baylor 3-9, Iowa State 3-9, Kansas St 5-7 and 2 more) and FCS SE Louisiana, which add little to Level 2; Boston College beat 2 teams with 9+ wins (Virginia Tech 11-2 and Clemson 9-3). This accounts for 6.16 points, more than the whole 3.42-point rating gap; other factors pull the other way.
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| Auburn | #30 | #23 | 8-4 | - Against Hawai'i (Harbin #23, the spot the BCS standings gives Auburn), Auburn lost 4 of its 12 games (South Florida 9-3, Mississippi St 7-5, LSU 11-2 and Georgia 10-2), and every loss is a game worth 0 points in the Level 1 average: 8 of its 12 games earn points, against 12 of 12 for Hawai'i (unbeaten). This accounts for 1.78 of the 2.01-point rating gap (88%).
- Auburn's beaten opponents earned 223.5 Level 1 points in all (240.0 for Hawai'i's), a Level 2 term of 15.4 to 16.6. Auburn beat 4 teams with losing records (Ole Miss 3-9, New Mexico St 4-9, Kansas St 5-7 and Vanderbilt 5-7) and FCS Tennessee Tech, which add little to Level 2; Hawai'i beat 1 team with 9+ wins (Boise St 10-2). This accounts for 1.14 of the 2.01-point rating gap (57%).
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| Boston College | #8 | #14 | 10-3 | - Against Illinois (Harbin #14, the spot the BCS standings gives Boston College), Boston College beat 2 teams with 9+ wins (Virginia Tech 11-2 and Clemson 9-3), so its beaten opponents earned 364.5 Level 1 points in all (302.5 for Illinois's), a Level 2 term of 25.3 to 21.0; Illinois beat 2 teams with losing records (Minnesota 1-11 and Syracuse 2-10) and FCS W Illinois, which add little to Level 2. This accounts for 4.31 points, more than the whole 2.25-point rating gap; other factors pull the other way.
- Boston College lost 2 of its 12 games (Florida St 7-5 and Maryland 6-6), against 3 of 12 for Illinois (lost to Missouri 11-2, Iowa 6-6 and Michigan 8-4), and every loss is a game worth 0 points in the Level 1 average. This accounts for 0.49 of the 2.25-point rating gap (22%).
- Boston College beat 2 Harbin top-25 teams (Virginia Tech #3 and Clemson #19) and 1 more in the top 50 (Wake Forest #31).
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| Wisconsin | #24 | #18 | 9-3 | - Against BYU (Harbin #18, the spot the BCS standings gives Wisconsin), Wisconsin's beaten opponents earned 242.0 Level 1 points in all (284.0 for BYU's), a Level 2 term of 16.9 to 19.7. Wisconsin beat 4 teams with losing records (Minnesota 1-11, N Illinois 2-10, UNLV 2-10 and Washington St 5-7) and FCS The Citadel, which add little to Level 2; BYU beat 1 team with 9+ wins (Air Force 9-3). This accounts for 2.93 points, more than the whole 2.59-point rating gap; other factors pull the other way.
- Wisconsin lost 3 of its 12 games (Illinois 9-3, Penn State 8-4 and Ohio State 11-1), and every loss is a game worth 0 points in the Level 1 average: 9 of its 12 games earn points, against 10 of 12 for BYU (lost to UCLA 6-6 and Tulsa 9-4). This accounts for 0.45 of the 2.59-point rating gap (17%).
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