This is a case of one team peaking at the right time, and the other peaking too early. Western Kentucky has won seven straight, with its last loss being a 52-46 loss to this UTSA team. But if you watched that game, you know WKU had nearly 700 yards of offense and a first and goal in the final seconds before an interception ended things. Meanwhile, UTSA's defense has fallen off a cliff in November, and I don't know if they'll be able to get enough stops against one of the most potent offenses in the country.

Conference USA title game from San Antonio. This spread has been bobbing up and down between 2.5-3 all day, so let's grab 2.5 now in case it stays at 3. WKU lost a shootout at home to UTSA earlier this season and this one is on the Roadrunners' field, but the Hilltoppers have been dominating every opponent since then. All seven wins during WKU’s streak have been by at least 15 points, with the average margin of victory at 26.4. Bailey Zappe is having one of the best seasons ever by an FBS quarterback. UTSA, meanwhile, has looked sluggish in its past three games (0-3 ATS) and did lose its finale. Maybe the Roadrunners were simply coasting, but I'll take the hot team.

These clubs met Oct. 9, with UTSA winning 52-46 with WKU favored by three at home. WKU QB Bailey Zappe had 523 yards passing, five TDs and an interception. That’s the last game the Hilltoppers lost. Since, they’ve won seven straight (6-1 ATS) and have covered the spread in the last five. Their defense has gotten better along the way. UTSA has struggled for the past three weeks with no covers finally lost with the undefeated pressure building. I think the Roadrunners lose Saturday because of being mentally exhausted and still getting no respect at 11-1.