Middle Tennessee State 
v 
Miami OH (+2)
Gotta go with the better record here, even though the SunBelt is doing better than expected this bowl season.
The Call: Miami OH by 7
The Result: Miami OH 35-21
Prop to the Redhawks for a huge turnaround from last season. Now the tricky part is maintaining it...
Army 
v 
SMU (-7)
Neither of these two have had a great season - it'll come down to which offense is better, the Black Knight running game, or the Mustang passing game.
The Call: Army by 3
The Result: Army 16-14
Well, the SMU passing attack was okay - except for the fumble & 2 INT's. That means that Army's 199 yards on the ground was good enough.
Florida International 
v 
Toledo (even)
The Panthers turned it up after a tough start to the season, but never beat anyone decent. The Rockets did better in the MAC, so they get the nod.
The Call: Toledo by 4
The Result: Florida International 34-32
An entertaining game, good comeback, gutsy play - solid. Props to the Panthers.
Hawaii 
v 
Tulsa (+10)
I'll be honest - I haven't paid to much attention to the Golden Hurricanes this year. Sure they beat Notre Dame, and are riding a 6 game winning streak, but I've been a fan of the Warriors season this year. They got a piece of the WAC crown, and have the capability to outscore almost anyone they play.
The Call: Hawaii by 17
The Result: Tulsa 62-35
When you throw pick-sixes, plural, you're digging with a backhoe.
Navy (+3) 
v 
San Diego State
The Aztecs have been overlooked all year, and they won the games they should have. I don't know if I've ever picked them before, so why not start now?
The Call: San Diego State by 7
The Result: San Diego State 35-14
With each team rushing for over 230 yards, I guess the water didn't really slow things down. Two really good seasons from 9-4 teams.
Utah (+16.5) 
v 
Boise State
Yeah, the Broncos are going to get back to form in this one.
The Call: Boise State by 21
The Result: Boise State 26-3
Voila.
Southern Miss 
v 
Louisville (-2.5)
The Cardinals have been mediocre this year, while the Golden Eagles put up respectable numbers in CUSA.
The Call: Louisville by 6
The Result: Louisville 31-28
Lotsa presents for the Cardinals in that game. Gift-wrapped and everything.
Ohio 
v 
Troy (-2)
The Bobcats have come on strong after a rough start, while Troy fell off a bit in the SunBelt.
The Call: Ohio by 7
The Result: Troy 48-21
Yeah, that was a crap shoot of a guess. Props to the Trojans for finishing strong.
Northern Illinois 
v 
Fresno St (+1.5)
The Huskies have the better record, but they also have worse losses - all of the Bulldog's losses came to solid teams. How much will the loss in the MAC championship game deflate the Northern Illinois team?
The Call: Fresno State by 4
The Result: Northern Illinois 40-17
Not a whole lot, apparently.
BYU (-11)
v 
UTEP
Both of these teams are 6-6, but the Cougars are 4-1 since the middle of October, their only loss being a close one to Utah, while the Miners are 1-5 in that same span. BYU should be able to control the game and cover.
The Call: BYU by 13
The Result: BYU 52-24
Yeah, that was pretty much a one-sided affair.
