The set-up: The SF 49ers won 36 games under Jim Harbaugh in his first three seasons in the Bay Area from 2011 through 2013, reaching the NFC championship all three years and making it all the way to the Super Bowl at the end of 2012. However, Harbaugh's fourth season in San Francisco resulted in an 8-8 finish and Harbaugh and the 49ers organization seemed to tire of each other. Harbaugh retuned to coach his alma mater (Michigan) in 2015 and DL coach Jim Tomsula was promoted. The result was a 5-11 season and the demotion of the team's QB of the future, Colin Kaepernick. Houston won back-to-back AFC South titles in in 2011 and 2012 but after opening 2-0 in 2013, the Texans lost their final 14 games. Head coach Kubiak didn't last the entire season and the man who ‘saved' Penn St football, Bill O'Brien, was named head coach. He's gone 9-7 in each of his two seasons in Houston and last year's mark was good enough for a return to the playoffs.

The game: Chip Kelly, of Oregon fame but a HUGE disappointment in his two-year ‘experiment' in the NFL at Philadelphia, is seen by San Francisco as the "right mand for the job." In theory, Kelly's offense seems to fit Kaeperncik "to a T" but we'll have to see. O'Brien has not had a stable situation at QB in his first two seasons but Houston has gone "all in" on the belief that former Denver QB Brock Osweiler is "the man." Again, we'll have to see.

The pick: I have never seen the big attraction in Kelly and in a game in which regulars won't play much, I'm "all over" Bill O'Brien and the Texans as an underdog. 10* play of Houston.