Good stuff, JCM, but you're wrong, and I'm going to tell you why. Even if Penn State goes undefeated, they'll be hard-pressed to beat out the Big XII and SEC champions, even if those champions have the expected one-loss. Their problem, more than anything, is that they finish playing on November 22nd while the best in the SEC and Big XII will still have two games remaining. You can impress a lot of people with eight good quarters. Who do you think most voters would go with: the Penn State team that beat Michigan State the week before Thanksgiving, or the Texas team that put up 45 on Kansas on December 6th? People are fickle, and fickleness doesn't favor the Big 10 in this circumstance. If Penn State goes undefeated (which is hardly a guarantee, given Ohio State's fine performance last week), they may well deserve a shot, but if there are two other teams who are also deserving, Penn State's probably going to be on the outside looking in. And while you're right in saying that the Big XII and SEC are too tough for any team to come out unbeaten (Texas has the best shot, but I wouldn't bet on it happening), I don't think pollsters would permit a USC team that lost to Oregon State play over an SEC champion Florida team that may have lost to Ole Miss, but beat LSU, Alabama, and Georgia. The championship game and the tough schedule could be viewed as condemning the SEC and Big XII, but Oklahoma can far more easily compensate for its loss to Texas than Ohio State can compensate for its loss to USC. There are simply more opportunities for the Sooners than the Buckeyes. As for who's going to be playing the national title game? I'm betting on Texas against Florida, with Texas probably being the better of those two teams. I don't think either Tech or Oklahoma State will beat Texas - I find @Kansas the most difficult challenge - and Florida should win the rest of its regular season games, and I'll give them a good shot at an Alabama team that may just face one close call too many. The best system, in my mind, would be exactly what they have at the lower levels. I don't believe that the NCAA will institute a playoff anytime soon, because although it would mean money, it would also mean expenses, and CHANGE! They'd have to dump the sponsors and alter schedules, and be willing to 'sacrifice' tradition. While that's silly in my mind, it'd go over like a ton of bricks with the conferences, the bowl sponsors, and the people who'd actually have to enact the changes.