| Mississippi St | #33 | #18 | 8-4 | - Against Fresno St (Harbin #18, the spot the committee gives Mississippi St), Mississippi St's beaten opponents earned 218.0 Level 1 points in all (284.0 for Fresno St's), a Level 2 term of 15.1 to 18.0. Mississippi St beat 3 teams with losing records (Arkansas 2-10, Kansas St 5-7 and Ole Miss 5-7) and FCS SF Austin, which add little to Level 2; Fresno St beat 1 team with 9+ wins (Boise St 10-3). This accounts for 4.38 points, more than the whole 3.24-point rating gap; other factors pull the other way.
- Mississippi St lost 4 of its 12 games (Kentucky 9-3, Florida 9-3, LSU 9-3 and Alabama 13-0), and every loss is a game worth 0 points in the Level 1 average: 8 of its 12 games earn points, against 11 of 13 for Fresno St (lost to Minnesota 6-6 and Boise St 10-3). This accounts for 0.96 of the 3.24-point rating gap (30%).
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| Syracuse | #31 | #20 | 9-3 | - Against Texas A&M (Harbin #20, the spot the committee gives Syracuse), Syracuse's beaten opponents earned 213.5 Level 1 points in all (268.0 for Texas A&M's), a Level 2 term of 14.8 to 18.4. Syracuse beat 4 teams with losing records (UConn 1-11, Louisville 2-10, North Carolina 2-9 and Florida St 5-7) and FCS Wagner, which add little to Level 2; Texas A&M beat 3 teams with 9+ wins (UAB 10-3, Kentucky 9-3 and LSU 9-3). This accounts for 3.76 points, more than the whole 2.99-point rating gap; other factors pull the other way.
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| Boise St | #16 | #25 | 10-3 | - Against Northwestern (Harbin #25, the spot the committee gives Boise St), Boise St beat 3 teams with 9+ wins (Fresno St 11-2, Utah State 10-2 and Troy 9-3), so its beaten opponents earned 296.0 Level 1 points in all (254.0 for Northwestern's), a Level 2 term of 20.4 to 17.6; Northwestern beat 3 teams with losing records (Rutgers 1-11, Illinois 4-8 and Nebraska 4-8), which add little to Level 2. This accounts for 2.91 points, more than the whole 2.40-point rating gap; other factors pull the other way.
- Boise St lost 2 of its 12 games (Oklahoma St 6-6 and San Diego St 7-5), against 4 of 12 for Northwestern (lost to Duke 7-5, Akron 4-8, Michigan 10-2 and Notre Dame 12-0), and every loss is a game worth 0 points in the Level 1 average. This accounts for 0.96 of the 2.40-point rating gap (40%).
- Boise St beat 1 Harbin top-25 team (Fresno St #18) and 2 more in the top 50 (Troy #38 and Utah State #44).
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| Florida | #17 | #10 | 9-3 | - Against Washington St (Harbin #10, the spot the committee gives Florida), Florida's beaten opponents earned 263.0 Level 1 points in all (309.5 for Washington St's), a Level 2 term of 18.4 to 21.3. Florida beat 3 teams with losing records (Colorado St 3-9, Florida St 5-7 and Tennessee 5-7) and FCS Charleston So and FCS Idaho, which add little to Level 2; Washington St beat 1 team with 9+ wins (Utah 9-4). This accounts for 3.23 of the 3.66-point rating gap (88%).
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| Missouri | #29 | #23 | 8-4 | - Against Army (Harbin #23, the spot the committee gives Missouri), Missouri's beaten opponents earned 227.5 Level 1 points in all (242.0 for Army's), a Level 2 term of 15.6 to 16.7. Missouri beat 2 teams with losing records (Arkansas 2-10 and Tennessee 5-7) and FCS UT Martin, which add little to Level 2; Army beat 1 team with 9+ wins (Buffalo 10-3). This accounts for 1.00 of the 1.04-point rating gap (96%).
- Missouri lost 4 of its 12 games (Georgia 11-2, South Carolina 7-5, Alabama 13-0 and Kentucky 9-3), 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 Army (lost to Duke 7-5 and Oklahoma 12-1). This accounts for 0.78 of the 1.04-point rating gap (74%).
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