+4 (betroyal) is a bonus. Memphis has a great running game. The weather is supposed to be awful, so that is a wildcard. Memphis should win outright, but I don't like the thunderstorm wildcard, so will limit my play to normal.
P. Steele is better in college than pro. It seems odd to have your goy in the 3rd bowl game, but his service is a little different than the ones that try to milk every $ from you, before giving you the special play.