The set-up: I like 7-5 Buffalo to crush 7-5 Charlotte. Buffalo comes in with considerable momentum and I think the Bulls carry that momentum over after winning five of six and three straight ot end the regular season. Charlotte on the other hand is just happy to be here in my opinion, as the 49ers make their first bowl appearance ever in their five-year history.

The pick: Both teams average 31.5 PPG. Charlotte concedes 32.6 PPG though (which dropped to only 19 over its final five games, but I still think the 49ers will have a hard time slowing down Kyle Vantrease and the Bulls.) Additionally note that Buffalo is 5-1 ATS in its last six as a favorite, while Charlotte is just 5-13 ATS in its last 18 non-conference games. The Bulls are ranked No. 35 in the country on defense as well. This one has blowout written all over it, lay the points.

8* play on Buffalo.