| Mississippi St | #37 | #21 | 8-4 | - Against West Virginia (Harbin #21, the spot the BCS standings gives Mississippi St), Mississippi St's beaten opponents earned 190.0 Level 1 points in all (251.0 for West Virginia's), a Level 2 term of 13.2 to 17.4. Mississippi St beat 4 teams with losing records (Memphis 1-11, Ole Miss 4-8, UAB 4-8 and Houston 5-7) and FCS Alcorn St, which add little to Level 2; West Virginia beat no team with 9+ wins. This accounts for 4.24 of the 4.90-point rating gap (86%).
- Mississippi St has no win over a Harbin top-25 team (best win: Florida #29).
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| UCF | #41 | #25 | 10-3 | - Against Utah (Harbin #25, the spot the BCS standings gives UCF), UCF's beaten opponents earned 202.5 Level 1 points in all (221.5 for Utah's), a Level 2 term of 13.0 to 15.2. UCF beat 7 teams with losing records (Memphis 1-11, Buffalo 2-10, Rice 4-8, Tulane 4-8 and 3 more) and FCS South Dakota, which add little to Level 2; Utah beat no team with 9+ wins. This accounts for 1.26 of the 2.91-point rating gap (43%).
- The teams UCF played had 156 games on their schedules in all, against 146 for Utah's, and Level 2 is divided by that total, so each team UCF beat adds less. This accounts for 0.93 of the 2.91-point rating gap (32%).
- UCF has no win over a Harbin top-25 team (best win: East Carolina #49).
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| Wisconsin | #15 | #5 | 11-1 | - Against Michigan St (Harbin #5, the spot the BCS standings gives Wisconsin), Wisconsin's beaten opponents earned 300.0 Level 1 points in all (353.0 for Michigan St's), a Level 2 term of 20.7 to 24.7. Wisconsin beat 5 teams with losing records (San José St 1-12, UNLV 2-11, Minnesota 3-9, Purdue 4-8 and 1 more) and FCS Austin Peay, which add little to Level 2; Michigan St beat 1 team with 9+ wins (Wisconsin 11-1). This accounts for 3.68 of the 4.00-point rating gap (92%).
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| Missouri | #4 | #12 | 10-2 | - Against Texas A&M (Harbin #12, the spot the BCS standings gives Missouri), Missouri beat 3 teams with 9+ wins (Oklahoma 11-2, Miami OH 9-4 and Texas A&M 9-3), so its beaten opponents earned 369.5 Level 1 points in all (329.5 for Texas A&M's), a Level 2 term of 25.3 to 22.7; Texas A&M beat 3 teams with losing records (Kansas 3-9, Louisiana Tech 5-7 and Texas 5-7) and FCS SF Austin, which add little to Level 2. This accounts for 2.75 of the 3.13-point rating gap (88%).
- Missouri lost 2 of its 12 games (Nebraska 10-3 and Texas Tech 7-5), against 3 of 12 for Texas A&M (lost to Oklahoma St 10-2, Arkansas 10-2 and Missouri 10-2), and every loss is a game worth 0 points in the Level 1 average. This accounts for 0.48 of the 3.13-point rating gap (15%).
- Missouri beat 2 Harbin top-25 teams (Oklahoma #3 and Texas A&M #12) and 2 more in the top 50 (Illinois #43 and Kansas St #47).
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| TCU | #11 | #3 | 12-0 | - Against Oklahoma (Harbin #3, the spot the BCS standings gives TCU), TCU's beaten opponents earned 325.0 Level 1 points in all (411.0 for Oklahoma's), a Level 2 term of 22.4 to 26.0. TCU beat 5 teams with losing records (New Mexico 1-11, UNLV 2-11, Colorado St 3-9, Wyoming 3-9 and 1 more) and FCS Tennessee Tech, which add little to Level 2; Oklahoma beat 3 teams with 9+ wins (Nebraska 10-3, Oklahoma St 10-2 and Florida St 9-4). This accounts for 5.69 points, more than the whole 3.78-point rating gap; other factors pull the other way.
- TCU's wins earn less: 5.08 Level 1 points per win, against 6.23 for Oklahoma. 10 of its 12 wins came over teams worth less than a top-tier win (6.5): 9 over other FBS teams (5.0 each: SMU, Colorado St, Wyoming, BYU and 5 more) and FCS Tennessee Tech (3.0); Oklahoma had 2 (2 over other FBS teams (5.0 each: Utah State and Air Force)). This accounts for 1.06 of the 3.78-point rating gap (28%).
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| Hawai'i | #31 | #24 | 10-3 | - Against UConn (Harbin #24, the spot the BCS standings gives Hawai'i), The teams Hawai'i played had 160 games on their schedules in all, against 143 for UConn's, and Level 2 is divided by that total, so each team Hawai'i beat adds less. This accounts for 1.71 of the 2.27-point rating gap (76%).
- Hawai'i's wins earn less: 4.80 Level 1 points per win, against 5.88 for UConn. 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: Army, Louisiana Tech, Fresno St, Nevada and 5 more) and FCS Charleston So (3.0); UConn had 2 (1 over other FBS teams (5.0 each: Buffalo) and FCS Texas Southern (3.0)). This accounts for 0.77 of the 2.27-point rating gap (34%).
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| Utah | #25 | #19 | 10-2 | - Against South Carolina (Harbin #19, the spot the BCS standings gives Utah), Utah's beaten opponents earned 221.5 Level 1 points in all (295.5 for South Carolina's), a Level 2 term of 15.2 to 20.5. Utah beat 6 teams with losing records (New Mexico 1-11, San José St 1-12, UNLV 2-11, Colorado St 3-9 and 2 more), which add little to Level 2; South Carolina beat 1 team with 9+ wins (Alabama 9-3). This accounts for 5.10 points, more than the whole 3.23-point rating gap; other factors pull the other way.
- Utah has no win over a Harbin top-25 team (best win: Pitt #35).
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