Florida has lost All-American QB Anthony Richardson to the Colts in the NFL, but they've replaced him with Graham Mertz, an experienced transfer from Wisconsin.

The Utes went 10-4 last year and are once again loaded with talent, but the Gators came away with a 29-26 upset win in Gainesville when they faced each other in the season-opener last year. Additionally, Utah has question marks at QB as starting Cam Rising is recovering from an ACL tear and their backup Brandon Rose was injured in camp.

OK, Utah is at home here, and the Utes have won 14 straight home games, but we don't need the Gators to win, just to cover.

Bet on the Florida Gators with 3% of your bankroll.