I'm not really certain how it happened, but somehow there are Bowl games after the 4 BCS games, but before the BCS Championship game on Monday night, and the International Bowl is one of these.  Ball State (7-5 SU, 7-4-1 ATS) is coming out of the MAC conference whose only team to play thus far is Central Michigan, who gave Purdue all they could handle a while back.  Rutgers (7-5 SU, 5-6-1) is coming out of the Big East which went 5-0 in last year's bowl games, but it is an average 2-2 this year.  What do we do with this?

Ball State vs. Rutgers (-11)
The glaring stat of this game is that Ball State is 0-4-1 in Bowl Games, and Rutgers has been to three straight Bowl Games.  You have to think the Scarlet Knights will be ready when this one finally kicks off, and seeing as the spread is getting larger, most people seem to think so also.  I concur, so give up the points and take Rutgers.