The set-up: Two teams hungry for a victory collide on Saturday afternoon and in my opinion, points are going to be at a premium.

The teams: Hawaii is already 3-0 with wins over Rice, Navy and Colorado State. The Warriors have defied the odds to this point, most recently smashing Rice 43-29 as a 17 point favorite this past weekend. QB Cole McDonald was 22 of 33 for 319 yards and four TD's last week, but I think Hawaii finally stumbles here against the Black Knights opportunistic defense and in this difficult road venue.

Army is 1-1 after losing to Duke its opener, before then bouncing back with a victory over Liberty. The Black Knights rushed for 449 yards last week and they'll be looking to duplicate that performance here. The last thing Army wants to do is get into a "track meet" with the high-flying Warriors, so expect the home side offense to try and maintain possession for as long as possible, whenever possible.

The pick: Take it for what you will as well, but Hawaii has seen the total go "under" the number in five of its last eight as an underdog in the 3.5 to ten points range, while Army has seen the total go "under" in interestingly seven of its last ten games played in the month of September. This number is a little high, play the "under."