| Temple | #40 | #24 | 10-3 | - Against Navy (Harbin #24, the spot the committee gives Temple), Temple's beaten opponents earned 220.0 Level 1 points in all (250.0 for Navy's), a Level 2 term of 15.3 to 17.2. Temple beat 6 teams with losing records (UCF 0-12, Charlotte 2-10, SMU 2-10, Tulane 3-9 and 2 more), which add little to Level 2; Navy beat 1 team with 9+ wins (Memphis 9-3). This accounts for 2.08 of the 3.18-point rating gap (65%).
- Temple lost the AAC title game to Houston (12-1): it was its 13th game and earned 0 points, so its Level 1 average fell from 4.29 to 3.96 and Houston's 13 games went into its divisor with nothing earned; without that game Temple would rate 19.57 instead of 17.97. This accounts for 1.60 of the 3.18-point rating gap (50%).
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| Tennessee | #37 | #23 | 8-4 | - Against Toledo (Harbin #23, the spot the committee gives Tennessee), The teams Tennessee played had 146 games on their schedules in all, against 134 for Toledo's, and Level 2 is divided by that total, so each team Tennessee beat adds less. This accounts for 1.38 of the 2.85-point rating gap (49%).
- Tennessee's beaten opponents earned 219.0 Level 1 points in all (231.5 for Toledo's), a Level 2 term of 15.0 to 17.3. Tennessee beat 5 teams with losing records (North Texas 1-11, South Carolina 3-9, Vanderbilt 4-8, Kentucky 5-7 and 1 more) and FCS W Carolina, which add little to Level 2; Toledo beat 2 teams with 9+ wins (Bowling Green 10-3 and Arkansas St 9-3). This accounts for 0.89 of the 2.85-point rating gap (31%).
- Tennessee lost 4 of its 12 games (Oklahoma 11-1, Florida 10-3, Arkansas 7-5 and Alabama 12-1), and every loss is a game worth 0 points in the Level 1 average: 8 of its 12 games earn points, against 9 of 11 for Toledo (lost to N Illinois 8-5 and W Michigan 7-5). This accounts for 0.83 of the 2.85-point rating gap (29%).
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| LSU | #12 | #20 | 8-3 | - Against Michigan (Harbin #20, the spot the committee gives LSU), LSU beat 2 teams with 9+ wins (Western KY 11-2 and Florida 10-3), so its beaten opponents earned 283.0 Level 1 points in all (262.5 for Michigan's), a Level 2 term of 21.0 to 18.1; Michigan beat 5 teams with losing records (Oregon St 2-10, Maryland 3-9, UNLV 3-9, Rutgers 4-8 and 1 more), which add little to Level 2. This accounts for 1.47 of the 2.69-point rating gap (55%).
- The teams Michigan played had 145 games on their schedules in all, against 135 for LSU's, and Level 2 is divided by that total, so each team Michigan beat adds less. This accounts for 1.39 of the 2.69-point rating gap (52%).
- LSU beat 2 Harbin top-25 teams (Florida #18 and Western KY #21) and 3 more in the top 50 (Mississippi St #28, Texas A&M #35 and Auburn #45).
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| TCU | #19 | #11 | 10-2 | - Against North Carolina (Harbin #11, the spot the committee gives TCU), TCU's beaten opponents earned 262.5 Level 1 points in all (321.0 for North Carolina's), a Level 2 term of 18.4 to 22.6. TCU beat 5 teams with losing records (Kansas 0-12, SMU 2-10, Iowa State 3-9, Minnesota 5-7 and 1 more) and FCS SF Austin, which add little to Level 2; North Carolina beat no team with 9+ wins. This accounts for 4.11 points, more than the whole 2.31-point rating gap; other factors pull the other way.
- TCU lost 2 of its 12 games (Oklahoma St 10-2 and Oklahoma 11-1), and every loss is a game worth 0 points in the Level 1 average: 10 of its 12 games earn points, against 11 of 12 for North Carolina (lost to South Carolina 3-9). This accounts for 0.49 of the 2.31-point rating gap (21%).
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| Baylor | #25 | #17 | 9-3 | - Against Utah (Harbin #17, the spot the committee gives Baylor), Baylor's beaten opponents earned 234.5 Level 1 points in all (286.0 for Utah's), a Level 2 term of 16.4 to 19.6. Baylor beat 4 teams with losing records (Kansas 0-12, SMU 2-10, Iowa State 3-9 and Rice 5-7) and FCS Lamar, which add little to Level 2; Utah beat 2 teams with 9+ wins (Michigan 9-3 and Oregon 9-3). This accounts for 3.56 points, more than the whole 3.48-point rating gap; other factors pull the other way.
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| Michigan | #20 | #14 | 9-3 | - Against Oklahoma St (Harbin #14, the spot the committee gives Michigan), Michigan's beaten opponents earned 262.5 Level 1 points in all (289.5 for Oklahoma St's), a Level 2 term of 18.1 to 20.2. Michigan beat 5 teams with losing records (Oregon St 2-10, Maryland 3-9, UNLV 3-9, Rutgers 4-8 and 1 more), which add little to Level 2; Oklahoma St beat 1 team with 9+ wins (TCU 10-2). This accounts for 1.88 of the 2.39-point rating gap (78%).
- Michigan lost 3 of its 12 games (Utah 9-3, Michigan St 12-1 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 Oklahoma St (lost to Baylor 9-3 and Oklahoma 11-1). This accounts for 0.50 of the 2.39-point rating gap (21%).
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