South Florida has gone Over four straight games. Freshman QB Jordan McCloud has thrown eight touchdowns but has also thrown five interceptions. Navy has gone Over in three straight and scored 34 or more points in three of its last four games. Cadets QB Malcolm Perry is averaging 97.8 passing yards a game to go with Navy's almost impossible to stop ground game. Take the Over.

It's difficult for me to trust a service academy when it's favored by this much. Since 2005, Navy has been favored by 14 points or more 19 times, and it has gone 6-12-1 ATS in those games. South Florida is by no means a juggernaut, but it's a better team now than it was at the start of the season. Particularly on offense, where I see it giving Navy some problems. Take the points.