The oddsmaker hasn't fully caught up to the fact that Buffalo's defense is much improved now in Lance Leipold's third season. That was evident in the Bulls' opener, a 17-7 road loss to Minnesota and it has stayed that way.

The Bulls have yielded just 48 points in three games playing the Gophers, Army and Colgate. They own the fourth-stingiest pass defense in the country.

Buffalo, though, is averaging only 19 points a game.

Florida Atlantic could mange just a combined 33 points versus Wisconsin and Navy. The Owls did blow out Bethune Cookman, 45-0, in their last game.

Both teams are better defensively than offensively and are stepping up after facing easier competition last week.