| Oklahoma St | #32 | #13 | 9-3 | - Against Georgia Tech (Harbin #13, the spot the BCS standings gives Oklahoma St), Oklahoma St's beaten opponents earned 225.5 Level 1 points in all (309.0 for Georgia Tech's), a Level 2 term of 15.4 to 21.5. Oklahoma St beat 5 teams with losing records (Iowa State 2-10, Washington St 2-11, Baylor 4-8, Texas A&M 4-8 and 1 more) and FCS Missouri St, which add little to Level 2; Georgia Tech beat 2 teams with 9+ wins (Boston College 9-4 and Georgia 9-3). This accounts for 5.76 of the 5.97-point rating gap (96%).
- Oklahoma St has no win over a Harbin top-25 team (best win: Missouri #33).
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| BYU | #34 | #16 | 10-2 | - Against Virginia Tech (Harbin #16, the spot the BCS standings gives BYU), BYU's beaten opponents earned 216.0 Level 1 points in all (314.0 for Virginia Tech's), a Level 2 term of 15.0 to 19.7. BYU beat 7 teams with losing records (Washington 0-12, San Diego St 2-10, Utah State 3-9, New Mexico 4-8 and 3 more) and FCS Northern Iowa, which add little to Level 2; Virginia Tech beat 2 teams with 9+ wins (Boston College 9-4 and Georgia Tech 9-3). This accounts for 6.48 points, more than the whole 4.61-point rating gap; other factors pull the other way.
- BYU has no win over a Harbin top-25 team (best win: Air Force #56).
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| North Carolina | #14 | - | 8-4 | - Against Florida St (Harbin #26, the first spot outside the BCS standings's top 25), North Carolina beat 2 teams with 9+ wins (Boston College 9-4 and Georgia Tech 9-3), so its beaten opponents earned 300.0 Level 1 points in all (243.5 for Florida St's), a Level 2 term of 20.7 to 16.6; Florida St beat 1 team with a losing record (Colorado 5-7) and FCS W Carolina and FCS Chattanooga, which add little to Level 2. This accounts for 3.87 of the 4.42-point rating gap (88%).
- North Carolina beat 2 Harbin top-25 teams (Georgia Tech #13 and Boston College #18) and 3 more in the top 50 (Rutgers #38, Miami #40 and UConn #46).
- North Carolina's loss to 5-7 Virginia counts no more in Harbin than a loss to a top-10 team; it is unranked in the BCS standings.
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| TCU | #23 | #11 | 10-2 | - Against Ohio State (Harbin #11, the spot the BCS standings gives TCU), TCU's beaten opponents earned 239.0 Level 1 points in all (317.0 for Ohio State's), a Level 2 term of 16.5 to 22.0. TCU beat 6 teams with losing records (SMU 1-11, San Diego St 2-10, New Mexico 4-8, Wyoming 4-8 and 2 more) and FCS SF Austin, which add little to Level 2; Ohio State beat 2 teams with 9+ wins (Michigan St 9-3 and Northwestern 9-3). This accounts for 5.40 of the 6.28-point rating gap (86%).
- TCU has no win over a Harbin top-25 team (best win: BYU #34).
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| Missouri | #33 | #21 | 9-4 | - Against Northwestern (Harbin #21, the spot the BCS standings gives Missouri), Missouri lost the Big 12 title game to Oklahoma (12-1): it was its 13th game and earned 0 points, so its Level 1 average fell from 4.33 to 4.00 and Oklahoma's 13 games went into its divisor with nothing earned; without that game Missouri would rate 21.06 instead of 19.35. This accounts for 1.71 points, more than the whole 1.40-point rating gap; other factors pull the other way.
- The teams Missouri played had 145 games on their schedules in all, against 143 for Northwestern's, and Level 2 is divided by that total, so each team Missouri beat adds less. This accounts for 0.23 of the 1.40-point rating gap (16%).
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| Pitt | #10 | #20 | 9-3 | - Against Ball State (Harbin #20, the spot the BCS standings gives Pitt), Pitt beat no team with 9+ wins, so its beaten opponents earned 332.5 Level 1 points in all (261.5 for Ball State's), a Level 2 term of 22.8 to 18.2; Ball State beat 7 teams with losing records (Miami OH 2-10, Western KY 2-10, E Michigan 3-9, Indiana 3-9 and 3 more) and FCS Northeastern, which add little to Level 2. This accounts for 4.90 of the 6.17-point rating gap (79%).
- Ball State lost the MAC title game to Buffalo (8-5): it was its 13th game and earned 0 points, so its Level 1 average fell from 4.96 to 4.58 and Buffalo's 13 games went into its divisor with nothing earned; without that game Ball State would rate 23.12 instead of 21.23. This accounts for 1.89 of the 6.17-point rating gap (31%).
- Pitt's wins earn more: 6.17 Level 1 points per win, against 4.96 for Ball State. 7 of its 9 wins came over top-tier teams (6.5 each: Iowa #28, West Virginia #30, South Florida #45, UConn #46 and 3 more); Ball State had 1 of 12, plus 10 over other FBS teams (5.0 each: Navy, Akron, Kent State, Toledo and 6 more) and FCS Northeastern (3.0). This accounts for 1.06 of the 6.17-point rating gap (17%).
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| Oregon | #27 | #17 | 9-3 | - Against Michigan St (Harbin #17, the spot the BCS standings gives Oregon), Oregon's beaten opponents earned 224.5 Level 1 points in all (270.5 for Michigan St's), a Level 2 term of 15.5 to 18.8. Oregon beat 7 teams with losing records (Washington 0-12, Washington St 2-11, Utah State 3-9, Purdue 4-8 and 3 more), which add little to Level 2; Michigan St beat 1 team with 9+ wins (Northwestern 9-3). This accounts for 3.18 points, more than the whole 3.18-point rating gap; other factors pull the other way.
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| Oregon St | #19 | - | 8-4 | - Against Florida St (Harbin #26, the first spot outside the BCS standings's top 25), Oregon St beat 1 team with 9+ wins (USC 11-1), so its beaten opponents earned 263.5 Level 1 points in all (243.5 for Florida St's), a Level 2 term of 18.0 to 16.6; Florida St beat 1 team with a losing record (Colorado 5-7) and FCS W Carolina and FCS Chattanooga, which add little to Level 2. This accounts for 1.37 of the 1.94-point rating gap (70%).
- Oregon St's wins earn more: 6.31 Level 1 points per win, against 5.63 for Florida St. 7 of its 8 wins came over top-tier teams (6.5 each: USC #4, California #25, Arizona #61, Arizona St #87 and 3 more); Florida St had 6 of 8, plus FCS W Carolina and FCS Chattanooga (3.0 each). This accounts for 0.46 of the 1.94-point rating gap (24%).
- Oregon St's loss to 5-7 Stanford counts no more in Harbin than a loss to a top-10 team; it is unranked in the BCS standings.
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| Boston College | #18 | #24 | 9-4 | - Against East Carolina (Harbin #24, the spot the BCS standings gives Boston College), Boston College beat 1 team with 9+ wins (Virginia Tech 9-4), so its beaten opponents earned 299.5 Level 1 points in all (265.5 for East Carolina's), a Level 2 term of 20.7 to 16.8; East Carolina beat 5 teams with losing records (Tulane 2-10, Marshall 4-8, UAB 4-8, UCF 4-8 and 1 more), which add little to Level 2. This accounts for 2.25 of the 2.46-point rating gap (91%).
- The teams East Carolina played had 158 games on their schedules in all, against 145 for Boston College's, and Level 2 is divided by that total, so each team East Carolina beat adds less. This accounts for 1.60 of the 2.46-point rating gap (65%).
- Boston College beat 1 Harbin top-25 team (Virginia Tech #16) and 4 more in the top 50 (Florida St #26, Wake Forest #29, Maryland #31 and NC State #35).
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