Everybody (except Oregon) has warts and arguments against them, whether they are schedule strength or a bad loss or two. PSU maybe not so much having lost only to OSU and Oregon. The question is whose warts are the worst and whose warts are mitigated by big wins (the same question we argued about when it was a 4 team playoff. I would opine that Indiana absolutely deserved their slot...they won the games they had to win, and as Sid pointed out their schedule was weakened mostly through no fault of their own (though I think it would look better with at least one stronger non conference foe). When I called them overrated I wasn't trying to be like the snarky basketball fans who chant "overrated" when their team beats a highly ranked team. I was more referring to my own expectations...though I never completely bought into them, I thought they'd put up a much better effort against the Irish...so in my head I perhaps overrated them. They certainly had some dynamite games this year. Maybe the ND game was just one of those clunkers that are so hard to avoid. And ND??? They looked like men against boys. I feel that I had underrated them and probably had done so since their own clunker against NIU. The most interesting non-playoff bowl to me is gonna be Michigan-Alabama, assuming that the teams don't lose a bunch of players to the portal or to preparing for the NFL draft (does anybody know where that issue stands?)