| Michigan | #32 | #18 | 8-4 | - Against Louisville (Harbin #18, the spot the BCS standings gives Michigan), Michigan's beaten opponents earned 216.5 Level 1 points in all (249.0 for Louisville's), a Level 2 term of 14.8 to 17.5. Michigan beat 3 teams with losing records (UMass 1-11, Illinois 2-10 and Iowa 4-8), which add little to Level 2; Louisville beat 2 teams with 9+ wins (Cincinnati 9-3 and Rutgers 9-3). This accounts for 2.26 of the 3.50-point rating gap (65%).
- Michigan lost 4 of its 12 games (Alabama 12-1, Notre Dame 12-0, Nebraska 10-3 and Ohio State 12-0), and every loss is a game worth 0 points in the Level 1 average: 8 of its 12 games earn points, against 10 of 12 for Louisville (lost to Syracuse 7-5 and UConn 5-7). This accounts for 1.00 of the 3.50-point rating gap (29%).
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| Boise St | #31 | #19 | 10-2 | - Against Kent State (Harbin #19, the spot the BCS standings gives Boise St), Boise St's beaten opponents earned 215.5 Level 1 points in all (278.5 for Kent State's), a Level 2 term of 14.8 to 19.5. Boise St beat 7 teams with losing records (Southern Miss 0-12, UNLV 2-11, Hawai'i 3-9, Colorado St 4-8 and 3 more), which add little to Level 2; Kent State beat 2 teams with 9+ wins (Ball State 9-3 and Rutgers 9-3). This accounts for 4.36 points, more than the whole 3.12-point rating gap; other factors pull the other way.
- Boise St has no win over a Harbin top-25 team (best win: Fresno St #42).
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| Utah State | #29 | #22 | 10-2 | - Against Penn State (Harbin #22, the spot the BCS standings gives Utah State), Utah State's beaten opponents earned 223.5 Level 1 points in all (238.5 for Penn State's), a Level 2 term of 15.4 to 16.4. Utah State beat 6 teams with losing records (Idaho 1-11, New Mexico St 1-11, UNLV 2-11, Colorado St 4-8 and 2 more) and FCS Southern Utah, which add little to Level 2; Penn State beat 1 team with 9+ wins (Northwestern 9-3). This accounts for 1.03 of the 1.12-point rating gap (93%).
- Utah State's wins earn less: 4.95 Level 1 points per win, against 6.31 for Penn State. 9 of its 10 wins came over teams worth less than a top-tier win (6.5): 8 over other FBS teams (5.0 each: Colorado St, UNLV, San José St, New Mexico St and 4 more) and FCS Southern Utah (3.0); Penn State had 1 (1 over other FBS teams (5.0 each: Navy)). This accounts for 1.02 of the 1.12-point rating gap (91%).
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| Georgia | #13 | #7 | 11-2 | - Against Oregon (Harbin #7, the spot the BCS standings gives Georgia), Georgia's beaten opponents earned 309.5 Level 1 points in all (352.5 for Oregon's), a Level 2 term of 21.5 to 24.5. Georgia beat 7 teams with losing records (Kentucky 2-10, Auburn 3-9, FAU 3-9, Buffalo 4-8 and 3 more) and FCS GA Southern, which add little to Level 2; Oregon beat 3 teams with 9+ wins (Arkansas St 9-3, Fresno St 9-3 and Oregon St 9-3). This accounts for 2.99 of the 5.18-point rating gap (58%).
- Georgia lost the SEC title game to Alabama (12-1): it was its 13th game and earned 0 points, so its Level 1 average fell from 5.42 to 5.00 and Alabama's 13 games went into its divisor with nothing earned; without that game Georgia would rate 26.91 instead of 24.71. This accounts for 2.20 of the 5.18-point rating gap (42%).
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| Kent State | #19 | #25 | 11-2 | - Against Tulsa (Harbin #25, the spot the BCS standings gives Kent State), Kent State beat 2 teams with 9+ wins (Ball State 9-3 and Rutgers 9-3), so its beaten opponents earned 278.5 Level 1 points in all (253.5 for Tulsa's), a Level 2 term of 19.5 to 16.1; Tulsa beat 5 teams with losing records (Tulane 2-10, UAB 3-9, UTEP 3-9, Houston 5-7 and 1 more) and FCS Nicholls, which add little to Level 2. This accounts for 1.67 of the 2.21-point rating gap (76%).
- The teams Tulsa played had 157 games on their schedules in all, against 143 for Kent State's, and Level 2 is divided by that total, so each team Tulsa beat adds less. This accounts for 1.66 of the 2.21-point rating gap (75%).
- Kent State lost 1 of its 12 games (Kentucky 2-10), against 3 of 13 for Tulsa (lost to Iowa State 6-6, Arkansas 4-8 and SMU 6-6), and every loss is a game worth 0 points in the Level 1 average. This accounts for 0.72 of the 2.21-point rating gap (33%).
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| Northwestern | #26 | #20 | 9-3 | - Against N Illinois (Harbin #20, the spot the BCS standings gives Northwestern), Northwestern's beaten opponents earned 218.5 Level 1 points in all (272.5 for N Illinois's), a Level 2 term of 15.2 to 17.5. Northwestern beat 4 teams with losing records (Boston College 2-10, Illinois 2-10, Indiana 4-8 and Iowa 4-8) and FCS South Dakota, which add little to Level 2; N Illinois beat 3 teams with 9+ wins (Kent State 11-2, Ball State 9-3 and Toledo 9-3). This accounts for 3.61 points, more than the whole 2.29-point rating gap; other factors pull the other way.
- Northwestern lost 3 of its 12 games (Penn State 8-4, Nebraska 10-3 and Michigan 8-4), and every loss is a game worth 0 points in the Level 1 average: 9 of its 12 games earn points, against 12 of 13 for N Illinois (lost to Iowa 4-8). This accounts for 0.96 of the 2.29-point rating gap (42%).
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