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99. North Texas (3-9) 2010 CFN Score: 1.81

The Formula's Components:

1. Wins. - If you win, everything else falls into place. Each win counts as 1.

2. Quality Wins - The number of wins over teams that finished with a winning record. Each win counts as 1.

3. Elite Wins - The number of wins over teams that finished with two losses or fewer. Each win counts as 1 with a road win over an Elite team getting an extra 0.5. Also counting as 1 is a road win over a team that finished with three losses or fewer (but the extra 0.5 isn't added). A win over a team that finishes with three losses in a bowl game counts as one.

4. Bad Loss - The number of losses to teams that finished with three wins or fewer or a loss to a FCS (DI-AA) team. Each loss counts as minus-1. Take away an additional 0.5 for a Bad Loss at home.

5. Bad Win - The number of wins to teams that finished with three wins or fewer, or a win over a D-IAA team. Each win counts as minus 0.25.

6. Elite Loss - The number of losses to teams that finished with two losses or fewer. Each loss counts as 0.25.

7. Point Differential - Points for minus points against divided by 100.

8. Winning Percentage - To take losses into account, winning percentage is in the mix. Total wins is the tie-breaker followed by winning percentage.

http://cfn.scout.com/2/1039161.html

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