| Notre Dame | #15 | - | 8-4 | - Against N Illinois (Harbin #26, the first spot outside the BCS standings's top 25), Notre Dame beat 3 teams with 9+ wins (Michigan St 12-1, Arizona St 10-3 and USC 9-4), so its beaten opponents earned 291.0 Level 1 points in all (261.0 for N Illinois's), a Level 2 term of 19.7 to 18.1; N Illinois beat 7 teams with losing records (Idaho 1-11, Purdue 1-11, UMass 1-11, W Michigan 1-11 and 3 more) and FCS E Illinois, which add little to Level 2. This accounts for 2.06 of the 2.30-point rating gap (89%).
- N Illinois lost the MAC title game to Bowling Green (10-3): it was its 13th game and earned 0 points, so its Level 1 average fell from 5.08 to 4.69 and Bowling Green's 13 games went into its divisor with nothing earned; without that game N Illinois would rate 23.21 instead of 21.32. This accounts for 1.89 of the 2.30-point rating gap (82%).
- Notre Dame's wins earn more: 5.94 Level 1 points per win, against 5.08 for N Illinois. 5 of its 8 wins came over top-tier teams (6.5 each: Michigan St #6, Arizona St #7, USC #25, Temple #110 and 1 more); N Illinois had 2 of 12, plus 9 over other FBS teams (5.0 each: Idaho, Kent State, Akron, C Michigan and 5 more) and FCS E Illinois (3.0). This accounts for 0.71 of the 2.30-point rating gap (31%).
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| Wisconsin | #28 | #19 | 9-3 | - Against BYU (Harbin #19, the spot the BCS standings gives Wisconsin), Wisconsin's beaten opponents earned 231.0 Level 1 points in all (274.0 for BYU's), a Level 2 term of 15.8 to 18.9. Wisconsin beat 5 teams with losing records (Purdue 1-11, UMass 1-11, Illinois 4-8, Indiana 5-7 and 1 more) and FCS Tennessee Tech, which add little to Level 2; BYU beat no team with 9+ wins. This accounts for 2.96 points, more than the whole 2.28-point rating gap; other factors pull the other way.
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| Arizona St | #7 | #14 | 10-3 | - Against Clemson (Harbin #14, the spot the BCS standings gives Arizona St), Arizona St beat 3 teams with 9+ wins (UCLA 9-3, USC 9-4 and Wisconsin 9-3), so its beaten opponents earned 376.0 Level 1 points in all (283.5 for Clemson's), a Level 2 term of 25.8 to 19.6; Clemson beat 3 teams with losing records (Virginia 2-10, NC State 3-9 and Wake Forest 4-8) and FCS SC State and FCS The Citadel, which add little to Level 2. This accounts for 6.36 points, more than the whole 3.99-point rating gap; other factors pull the other way.
- Arizona St beat 2 Harbin top-25 teams (UCLA #20 and USC #25) and 3 more in the top 50 (Wisconsin #28, Arizona #37 and Washington #38).
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| Alabama | #10 | #3 | 11-1 | - Against Auburn (Harbin #3, the spot the BCS standings gives Alabama), Alabama's beaten opponents earned 320.5 Level 1 points in all (436.0 for Auburn's), a Level 2 term of 22.0 to 27.8. Alabama beat 4 teams with losing records (Georgia St 0-12, Kentucky 2-10, Arkansas 3-9 and Tennessee 5-7) and FCS Chattanooga, which add little to Level 2; Auburn beat 2 teams with 9+ wins (Alabama 11-1 and Missouri 11-2). This accounts for 7.63 points, more than the whole 5.90-point rating gap; other factors pull the other way.
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| BYU | #19 | - | 8-4 | - N Illinois (Harbin #26, the first spot outside the BCS standings's top 25) lost the MAC title game to Bowling Green (10-3): it was its 13th game and earned 0 points, so its Level 1 average fell from 5.08 to 4.69 and Bowling Green's 13 games went into its divisor with nothing earned; without that game N Illinois would rate 23.21 instead of 21.32. This accounts for 1.89 points, more than the whole 1.12-point rating gap; other factors pull the other way.
- BYU beat no team with 9+ wins, so its beaten opponents earned 274.0 Level 1 points in all (261.0 for N Illinois's), a Level 2 term of 18.9 to 18.1; N Illinois beat 7 teams with losing records (Idaho 1-11, Purdue 1-11, UMass 1-11, W Michigan 1-11 and 3 more) and FCS E Illinois, which add little to Level 2. This accounts for 0.90 of the 1.12-point rating gap (80%).
- BYU's wins earn more: 5.31 Level 1 points per win, against 5.08 for N Illinois. 3 of its 8 wins came over top-tier teams (6.5 each: Texas #29, Houston #32 and Georgia Tech #44); N Illinois had 2 of 12, plus 9 over other FBS teams (5.0 each: Idaho, Kent State, Akron, C Michigan and 5 more) and FCS E Illinois (3.0). This accounts for 0.19 of the 1.12-point rating gap (17%).
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| Oregon | #16 | #10 | 10-2 | - Against Alabama (Harbin #10, the spot the BCS standings gives Oregon), Oregon's beaten opponents earned 264.0 Level 1 points in all (320.5 for Alabama's), a Level 2 term of 18.2 to 22.0. Oregon beat 5 teams with losing records (California 1-11, Virginia 2-10, Colorado 4-8, Tennessee 5-7 and 1 more) and FCS Nicholls, which add little to Level 2; Alabama beat 1 team with 9+ wins (LSU 9-3). This accounts for 3.88 of the 4.04-point rating gap (96%).
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| LSU | #22 | #16 | 9-3 | - Against Oregon (Harbin #16, the spot the BCS standings gives LSU), LSU's beaten opponents earned 256.5 Level 1 points in all (264.0 for Oregon's), a Level 2 term of 17.7 to 18.2. LSU beat 5 teams with losing records (UAB 2-10, Arkansas 3-9, Florida 4-8, Kent State 4-8 and 1 more) and FCS Furman, which add little to Level 2; Oregon beat 1 team with 9+ wins (UCLA 9-3). This accounts for 0.52 of the 1.31-point rating gap (40%).
- LSU lost 3 of its 12 games (Georgia 8-4, Ole Miss 7-5 and Alabama 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 Oregon (lost to Stanford 11-2 and Arizona 7-5). This accounts for 0.50 of the 1.31-point rating gap (38%).
- LSU's wins earn less: 5.78 Level 1 points per win, against 6.15 for Oregon. 3 of its 9 wins came over teams worth less than a top-tier win (6.5): 2 over other FBS teams (5.0 each: UAB and Kent State) and FCS Furman (3.0); Oregon had 1 (FCS Nicholls (3.0)). This accounts for 0.29 of the 1.31-point rating gap (23%).
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| Texas A&M | #27 | #21 | 8-4 | - Against Virginia Tech (Harbin #21, the spot the BCS standings gives Texas A&M), Texas A&M's beaten opponents earned 244.5 Level 1 points in all (267.5 for Virginia Tech's), a Level 2 term of 16.6 to 18.3. Texas A&M beat 3 teams with losing records (UTEP 2-10, Arkansas 3-9 and SMU 5-7) and FCS Sam Houston, which add little to Level 2; Virginia Tech beat 3 teams with 9+ wins (East Carolina 9-3, Marshall 9-4 and Miami 9-3). This accounts for 1.57 of the 1.69-point rating gap (93%).
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