This line has plummeted as bettors jumped on Army taking +21.5, and I remember at that point wondering why the play was happening on a team that was 2-10 last year and might even be worse this season. The actual rating on the game with home field added is around Temple -17, so that's the reason large money jumped early. But now that it's dropped to as low as -15, I'm on board. Army failed to cover its final six games -- playing well below their rating -- until showing up like always against Navy when the Black Knights lost by four points when getting +21. Temple comes off a fantastic 10-4 season and the key members of the offense all return -- 18 starters overall. Look for Temple to win by 24 points or more.

Styles make fights. You have Temple's pro-style offense and 4- 3 defense going against Army's triple option offense and 3-4 defense. Gone from the Owls' vaunted defense are three NFL Draft picks in DE Matt Ioannidis, LB Tyler Matakevich and CB Tavon Young. While Temple will still be sound defensively, those are big-time losses. It will take Temple time to adjust to the option's speed and precision. Army returns seven offensive starters and something it hasn't had in a while -- the ability to make plays in the passing game. Army also returns nine starters from a defense that was stout against the run and can match up on the outside. This should be a vastly improved squad. Temple has a great QB in P.J. Walker, and the Owls will win. But they won't cover.