The set-up: The 2-1 Temple Owls will visit Tampa and Raymond James Stadium Thursday night on ESPN to take on the 3-0 South Florida Bulls, who are currently ranked No. 21 in the AP poll. The Bulls will have a short week for the second game in a row, having played Illinois last Friday night, when they pulled away to an easy 47-23 victory, with 680 yards of total offense. Temple's new head coach Geoff Collins knows what his team is in for, as on Monday he said, "They have tremendous athletes across the board -- a big, physical offensive line and a dynamic quarterback who can hurt you with his arm and hurt you with his legs. They're a complete offense."

Temple: The Owls are coming off back-to-back 10-4 seasons but reaching double digit wins this year may be a stretch. Temple opened with the 2017 season with a 49-16 loss at Notre Dame, before beating Villanova and UMass (schools better-known for their basketball programs) by only a combined 11 points! QB Logan Marchi has taken over for the graduated Walker and has looked pretty good. He's thrown for 767 yards with five TDs and zero INTs. However, the running game, which averaged just over 175 YPG in 2016, has averaged a woeful 94.3 YPG (117th) on 2.9 YPC after three games (two coming against cupcakes 'Nova and UMass). Forget the team's defensive numbers against Villanova and U Mass and concentrate on the 49 points and 606 yards the Owls allowed at Notre Dame and one has to believe Temple is in deep trouble in this contest.

USF: Quinton Flowers has yet to 'explode' after three games (678 passing yards with 8 TDs and 2 INTs plus 243 yards rushing and 2 TDs) but the key is he's got USF's offense clicking on all cylinders. USF averages 40.0 PPG on 522.3 YPG (15th), including 281.3 YPG rushing (13th). RBs Tice (256 yards & 4 TDs) and Johnson (215 yards) give the Bulls quite a solid duo to complement Flowers' rushing ability (note: he rushed for 1,530 yards in 2016 on 7.7 YPC and scored 18 TDs!). The Bulls' D has been more than "good enough," allowing 20.7 PPG (48th) on 323.3 YPG (42nd).

The pick: The Bulls enter this game having scored 30-plus points in 20 straight games and just how will Temple's D (see Notre Dame stats above!) be able to keep USF in check on its home field? Making matters worse for Temple is that the Owls beat USF last season in Philly, 46-30. As the saying goes, "revenge is a dish best served cold." USF is 8-2-1 ATS as a home favorite since 2015. Make the Bulls a 10* play.