T.M. Selection: South Florida (8* TD CLUB).

USF beat Citadel 27-6 in its opener, but then it got hammered 52-0 by Notre Dame. The Bulls had last week's game postponed due to covid issues. The Bearcats beat Army 24-10 last weekend and while Desmon Ridder has been decent in the early going, I think he comes out complacent here and gets caught looking past his lowly opponent to his bye week next weekend. Note as well that USF is 5-0 ATS in its last five in this series. No outright, but grab the points!

T.M. Prediction: 30-15 Cincinnati.