Taking PENN STATE here. Gave this winner out on podcast Wednesday night and am using it here Saturday. No way Penn State is coming out flat here. They just were beat by Temple for the first time in 70 something years! Look. They got up 10-0 on the road at Temple then the wheels fell off the bus. Plus the engine caught fire. And their windshield wipers broke. It was an epic loss. 10 sacks allowed. An offense that was extremely predictable. Lots of things working against them in that spot. Owls are improved bunch and clearly playing with a chip on their shoulder vs their big bad, in-state older brothers. And they took out years and years of frustration. Now enter Buffalo. They were 5-6 last year. But they now have a new HC. He ran a dynasty in D111 ball. This isn't D-3 football. This is the Big 10. Even with the scholarship losses that PSU has suffered, they are still a more talented team. Add in the fact they are off a horrible loss and this is a home opener. I expect the staff to add some spice to the offense and the defense to come out strong. They can't afford to take any team for granted when you played like they did last week. 4* Money Maker PENN STATE