Navy has underachieved thus far, and the Midshipmen are practically in must-win mode if they hope to reach a bowl game. Dates with Notre Dame and Central Florida loom in the next few weeks, so they must take advantage Saturday against a Houston club they historically match up fairly well against. Houston could be in a letdown spot after it has beat up on inferior opponents for three straight weeks. Take the home underdog Saturday.

While Houston doesn't run the ball nearly as often as Navy does, the Cougars have proven to be one of the more efficient rushing offenses in the country. They're averaging an even six yards per carry on the ground and 238.4 yards rushing per game. That combined with Navy running the ball and bleeding the clock, as well as high winds that could lead to Houston running the ball more often than it usually does means this total is set too high.