Miami enters year 4 under Mario Cristobal and some like FOX Sports' Joel Klatt think they must make the Playoff to succeed this year. That's not quite the case.

On today's episode of Locked On College Football, Spencer McLaughlin lays out why Louisville is an underrated Playoff contender. The Cardinals' schedule for Jeff Brohm works out very nicely.

Spencer and 'Locked On Utes' host JT Wistrcill close today's show discussing why Utah can easily be a Big 12 title contender this season. QB Devon Dampier holds a lot of those cards in his hands.

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