Seventeen straight losses and counting against FBS foes for FIU, which squeaked by lower-level member Bryant 38-37 in its opener. QB Gunnar Holmberg was in concussion protocol though Thursday and the Panthers might need to rely on a backup. They have covered in just eight of their last 31 games, whereas the Bobcats are 7-3 ATS in their most recent 10 at home. Veteran Texas State QB Layne Hatcher, a three-year starter at Arkansas State before transferring, could lacerate an all-new FIU secondary.