It's time to start separating bowl teams from non-bowl teams.
It's already clear that Ohio State, Penn State and Wisconsin are in the College Football Playoff hunt.
And that Michigan and Michigan State are the next-best teams.
But who is on that next level?
The spread: Michigan by 7.
The pick: Michigan 30, Indiana 14.
Why? Indiana replaced struggling starting quarterback Richard Lagow with freshman Peyton Ramsey, who threw for 300 yards against Charleston Southern. Michigan is playing backup quarterback John O'Korn out of necessity as Wilton Speight is injured.