Navy was an 18-win team last season but has started 0-4 -- to be fair, three moderately tough road games and one home game against a solid Temple team. This is fading VMI, which arguably is bottom 20 team nationally with its two wins over Celine Dion College and Ringling Brothers State. OK, not really, but two schools I never heard of from Division II or lower. Half unit per usual on this high price -- I probably won't start doing full units all the time (did two full today and both hit; the two half units lost in a twist) until conference play when we start really finding what teams are and have some head-to-head history to go off.