The dynamic QB Michael Penix Jr. (knee) is done for the year, and so might be Indiana’s magic ride through the schedule. Substitute Jack Tuttle has launched just 16 career passes, most in situations with the outcome decided. Though the Badgers have managed to play three games, the week off enabled them to fix offensive issues that arose in the loss to Northwestern. As for the defense, no worries. It permits the fewest yards by far per game in the FBS, with a margin of 27 over the No. 2 team. For Tuttle, the timing could not have been worse.

Indiana lost starting QB Michael Penix Jr. for the season, and that's a huge blow to an offense that fed off his ability to create big plays. When you combine what the Hoosiers lost in Penix with how inconsistent they've been all season long, even in their victories, it doesn't look good against a team like Wisconsin. The Badgers are one of the most disciplined, fundamentally sound teams in college football. I'm on Wisconsin.

All the question marks in this matchup are on the offensive side of the ball. How will Indiana look without Michael Penix at QB? Is Graham Mertz going to look like the QB we saw against Illinois, or the one we've seen lately? It's hard to say, but for all the questions on offense, both of these teams have been just fine on defense.

Indiana coach Tom Allen has built something special in four years, while Wisconsin represents the old guard of the Big Ten walls Allen is knocking down. The Badgers have won the last 10 meetings by an average score of 51-15. The spread is inflated because of the injury loss of QB Michael Penix. Indiana could win the game straight up, but let's get the additional value by taking the points.