What the model says about week 14

Ratings are opponent-adjusted from 2026 results and converted to a margin with a home-field term. Probabilities use a spread fitted on out-of-sample predictions, the same conversion used everywhere else on this site.

Games involving a team outside the FBS pool use the ratings engine's FCS constant rather than a real rating, and are excluded from the disagreement list — a large gap there reflects not knowing the opponent, not a genuine difference of opinion.

Lines come from ESPN's public feed and move through the week. Voluntary Takes is an independent fan site and takes no position on any wager.