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deskgameThe Ravens (11-5) win the AFC North and earn the third seed in the AFC if they beat the Browns (3-13) at home. Baltimore also can win the AFC North with a Steelers loss, regardless of whether it beats Cleveland. deskgamePenn State is 6-4-0 ATS in its previous 10 games. It’s also suffered losses to Ohio State and Oregon. The Nittany Lions had an easy run to the CFP semifinals, but that run ends by at least a field goal Thursday night in Miami. deskgameThe Midshipmen will be at full strength but are still slight underdogs in the Armed Forces Bowl. Read on to see my expert betting picks for Oklahoma versus Navy. deskgameSetting the tone defensively is what Michigan does. The Wolverines allow a stingy 3.4 first-quarter points per game. The Alabama offense averages 8.8 first-quarter points, including 6.6 points on the road.