During the Bear's Bank segment, the Bear, who is 22-12-1 in picks this season, says there are a lot of big double-digit lines which he thinks will not come to fruition - perfect situation is North Texas, which he says "has nothing to play for - already clinched their division and a spot in the Conference USA championship against FAU, Rice has played better lately, North Texas has played a lot of close one-score games, nothing on the line for North Texas, would be surprised if Rice gets blown out at home by more than 12 points, North Texas has nothing to play for today..." They go one to say having Bear go to the North Texas vs. Rice game is "sorta like the turkey sandwich, leftovers - but they are delicious!"