This is extremely true and I really doubt any of the three make it through without at least one more loss each. The original question, though, was IF all three did win out, who should go to the title game. should or will? If one of the reasons for no playoff is to preserve the sanctity of the regular season, then you have to take the undefeated team(s), right? If Penn State wins out, they should be in. If Penn State has one-loss, they should not get picked over a 1-loss Florida and 1-loss Texas team (if they lose) I tend to think Penn State would go if unbeaten (and it could definitely be justified), but it's also justifiable that Florida would be more deserving - given that they might have three better wins than Penn State would. One of the two teams would feel screwed, which is the reason for the desire for a playoff system. the only people who desire the playoff system are the fans, media, and maybe 1/2 the coaches. The universities and NCAA want nothing to do with it.