Tampa Bay: The Bucs opened the season with a 31-24 win in Atlanta with QB Jameis Winston throwing four TD passes. However, Tampa Bay has lost three in a row since, with Winston tossing seven INTs and just four TD passes. As a rookie, he threw seven INTs in his first four games of 2015 but then settled down nicely, with just eight INTs over his last 12 games, in 402 attempts. There are worries that Winston is going through the dreaded sophomore jinx, already accounting for 10 turnovers. Tampa has had a middling offense so far, ranking 22nd in total yards (341.0 YPG) and 25th in points scored (19.2 PPG). Winston's woes are accentuated by the lack of a running game, as Tampa Bay is averaging only 82.5 YPG rushing on 3.4 YPC. Defensively, Tampa Bay ranks 31st, allowing 32.0 PPG.

Carolina: The Panthers entered the 2016 off a 15-1 regular season in 2015 but also a hugely disappointing 24-10 loss in the Super Bowl to the Broncos. Few would have predicted that Carolina would be hosting Tampa Bay in Week 5 of the current season with both teams sporting 1-3 records. Making things even worse for the Panthers on Monday night is that they will be without QB Cam Newton, who was placed in the NFL's concussion protocol after a late-game hit last week in Atlanta and was officially ruled out on Saturday. Derek Anderson will make his third start for Carolina since joining the team in 2011. He was 2-0 in his other two starts, both against the Buccaneers in 2014 when Newton was injured. Anderson finished last Sunday's game, completing 17 of 23 pass attempts for 172 yards and two TDs. He completed 49 of 74 pass attempts for 501 yards and three TDs with no interceptions in his other two starts for the Panthers. "We're going to do what we do, play who we play," Carolina coach Ron Rivera said after Saturday's practice. "We've done this before. It's that next man up mentality. We've done it before."

The pick: The Panthers find themselves in a similar situation as the Cardinals did Thursday night and Arizona responded with a much-needed 33-21 win at San Francisco. Carolina saw its 14-game home winning streak end in Week 3 to the Vikings but in the Bucs, they Panthers face a team that they have dominated the last three season, going 6-0 SU and 5-1 ATS against. However, while I expect Anderson to play well against a Tampa defense allowing 32.0 PPG, it's impossible to trust a Carolina defense that's allowing 28.0 PPG. The Over is a 10* play.