| Boise St | #10 | #19 | 12-1 | - Against Iowa (Harbin #19, the spot the committee gives Boise St), Boise St beat 2 teams with 9+ wins (Air Force 10-2 and Hawai'i 9-5), so its beaten opponents earned 363.0 Level 1 points in all (273.0 for Iowa's), a Level 2 term of 22.7 to 18.7; Iowa beat 5 teams with losing records (Rutgers 2-10, Northwestern 3-9, MTSU 4-8, Purdue 4-8 and 1 more), which add little to Level 2. This accounts for 5.89 points, more than the whole 3.94-point rating gap; other factors pull the other way.
- Boise St lost 1 of its 13 games (BYU 7-5), against 3 of 12 for Iowa (lost to Michigan 9-3, Penn State 10-2 and Wisconsin 10-3), and every loss is a game worth 0 points in the Level 1 average. This accounts for 0.96 of the 3.94-point rating gap (24%).
- Boise St beat 1 Harbin top-25 team (Air Force #23) and 3 more in the top 50 (Marshall #38, Hawai'i #43 and Hawai'i #43).
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| Baylor | #16 | #7 | 11-2 | - Against Notre Dame (Harbin #7, the spot the committee gives Baylor), Baylor lost the Big 12 title game to Oklahoma (12-1): it was its 13th game and earned 0 points, so its Level 1 average fell from 5.42 to 5.00 and Oklahoma's 13 games went into its divisor with nothing earned; without that game Baylor would rate 27.07 instead of 24.87. This accounts for 2.20 of the 3.42-point rating gap (64%).
- Baylor's beaten opponents earned 314.0 Level 1 points in all (339.5 for Notre Dame's), a Level 2 term of 21.7 to 23.3. Baylor beat 6 teams with losing records (Kansas 3-9, Rice 3-9, Texas Tech 4-8, UTSA 4-8 and 2 more) and FCS SF Austin, which add little to Level 2; Notre Dame beat 2 teams with 9+ wins (Navy 9-2 and Virginia 9-4). This accounts for 1.75 of the 3.42-point rating gap (51%).
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| Notre Dame | #7 | #15 | 10-2 | - Against Michigan (Harbin #15, the spot the committee gives Notre Dame), Notre Dame beat 2 teams with 9+ wins (Navy 9-2 and Virginia 9-4), so its beaten opponents earned 339.5 Level 1 points in all (298.5 for Michigan's), a Level 2 term of 23.3 to 20.3; Michigan beat 4 teams with losing records (Rutgers 2-10, Maryland 3-9, MTSU 4-8 and Army 5-7), which add little to Level 2. This accounts for 2.80 of the 3.36-point rating gap (83%).
- Notre Dame lost 2 of its 12 games (Georgia 11-2 and Michigan 9-3), against 3 of 12 for Michigan (lost to Wisconsin 10-3, Penn State 10-2 and Ohio State 13-0), and every loss is a game worth 0 points in the Level 1 average. This accounts for 0.51 of the 3.36-point rating gap (15%).
- Notre Dame beat 1 Harbin top-25 team (USC #20) and 4 more in the top 50 (Louisville #27, Virginia #29, Navy #30 and Virginia Tech #40).
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| Alabama | #21 | #13 | 10-2 | - Against Utah (Harbin #13, the spot the committee gives Alabama), Alabama's beaten opponents earned 239.5 Level 1 points in all (327.5 for Utah's), a Level 2 term of 16.5 to 22.7. Alabama beat 5 teams with losing records (Arkansas 2-10, New Mexico St 2-10, Ole Miss 4-8, South Carolina 4-8 and 1 more) and FCS W Carolina, which add little to Level 2; Utah beat no team with 9+ wins. This accounts for 6.09 points, more than the whole 4.47-point rating gap; other factors pull the other way.
- Alabama has no win over a Harbin top-25 team (best win: Tennessee #42).
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| Navy | #30 | #23 | 9-2 | - Against Air Force (Harbin #23, the spot the committee gives Navy), Navy's beaten opponents earned 230.0 Level 1 points in all (246.0 for Air Force's), a Level 2 term of 15.8 to 16.6. Navy beat 5 teams with losing records (UConn 2-10, East Carolina 4-8, Houston 4-8, South Florida 4-8 and 1 more) and FCS Holy Cross, which add little to Level 2; Air Force beat 1 team with 9+ wins (Hawai'i 9-5). This accounts for 1.09 points, more than the whole 1.08-point rating gap; other factors pull the other way.
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| Memphis | #11 | #17 | 12-1 | - Against Auburn (Harbin #17, the spot the committee gives Memphis), Memphis beat 3 teams with 9+ wins (Cincinnati 10-3, SMU 10-2 and Navy 9-2), so its beaten opponents earned 354.5 Level 1 points in all (296.5 for Auburn's), a Level 2 term of 22.3 to 20.2; Auburn beat 2 teams with losing records (Arkansas 2-10 and Ole Miss 4-8) and FCS Samford, which add little to Level 2. This accounts for 3.80 points, more than the whole 2.37-point rating gap; other factors pull the other way.
- Memphis lost 1 of its 13 games (Temple 8-4), against 3 of 12 for Auburn (lost to Florida 10-2, LSU 13-0 and Georgia 11-2), and every loss is a game worth 0 points in the Level 1 average. This accounts for 0.93 of the 2.37-point rating gap (39%).
- Memphis beat 2 Harbin top-25 teams (Cincinnati #24 and Cincinnati #24) and 2 more in the top 50 (SMU #26 and Navy #30).
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| App State | #14 | #20 | 12-1 | - Against USC (Harbin #20, the spot the committee gives App State), App State beat 1 team with 9+ wins (Louisiana 10-3), so its beaten opponents earned 320.5 Level 1 points in all (269.5 for USC's), a Level 2 term of 20.3 to 18.5; USC beat 5 teams with losing records (Arizona 4-8, Fresno St 4-8, Stanford 4-8, UCLA 4-8 and 1 more), which add little to Level 2. This accounts for 3.36 points, more than the whole 2.31-point rating gap; other factors pull the other way.
- App State lost 1 of its 13 games (GA Southern 7-5), against 4 of 12 for USC (lost to BYU 7-5, Washington 7-5, Notre Dame 10-2 and Oregon 11-2), and every loss is a game worth 0 points in the Level 1 average. This accounts for 1.46 of the 2.31-point rating gap (63%).
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