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CFB Expert Says Penn State Will Be on UPSET WATCH in Matt Campbell’s Debut!

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Locked On Nittany Lions - Daily Podcast On Penn State Nittany Lions Football & Basketball is made possible by:


Penn State opens the Matt Campbell era against Marshall on Saturday, and this Week 1 matchup may be more interesting than the 24.5-point spread suggests.

Locked On Sun Belt host Dave Schultz joins Zach Seyko to break down Carlos Del Rio-Wilson and an experienced Marshall offense, how D'Anton Lynn's new Penn State defense can contain the Thundering Herd quarterback, and where Taylor Mouser and the Nittany Lions offense should have the advantage.

Plus, Dave makes a bold prediction about Marshall holding a fourth-quarter lead, Zach gives his final score prediction, and both explain why they're hesitant to lay more than three touchdowns with Penn State.

Who wins, does Marshall cover, and how nervous should Penn State fans actually be?

Drop your score prediction below.

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0:00 — Is Penn State on upset watch vs. Marshall?
1:39 — Why Marshall is dangerous in Week 1
7:25 — Penn State's biggest continuity advantage
12:04 — Carlos Del Rio-Wilson and Marshall's weapons
14:50 — How Penn State should defend Marshall's QB
17:58 — Can Marshall's defense slow Penn State?
19:38 — Taylor Mouser's new Penn State offense
24:44 — Penn State-Marshall predictions and betting line
29:45 — Zach's final Penn State score prediction


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CFB Expert Says Penn State Will Be on UPSET WATCH in Matt Campbell’s Debut!

Locked On Nittany Lions - Daily Podcast On Penn State Nittany Lions Football & Basketball

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Locked On Nittany Lions - Daily Podcast On Penn State Nittany Lions Football & BasketballCFB Expert Says Penn State Will Be on UPSET WATCH in Matt Campbell’s Debut!. Machine-transcribed; use the interactive transcript above to jump the player to any line.

This is the Lockdown Podcast Network celebrating 10 years of your team every day. You're juggling a lot, but you can still squeeze in a financial plan. With the Northwestern Mutual Financial Advisor as your partner, it's not only possible, it's personalized. So, if you're tying the knot, closing on a house, or welcoming a little one, you'll be ready for whatever life tosses your way. It's the right time to feel less stressed and more certain. That's a better way to money. Let's get started at nm.com. The Northwestern Mutual Life Insurance Company Milwaukee, Wisconsin. My day kicks off with a refreshing Celsius energy drink, then straight to the gym. Pre-camp pickup, back home to meal prep. Time for my fire session shift. One more Celsius gotta keep the lights on. When the three alarm hits, I'm ready. I think it's crazy.

Should Penn State be on upset watch in the first game of Matt Campbell's tenure against Marshall? You are locked on college crossover part of the Lockdown podcast network. Your team every day. And today's show is brought to you by Fandall. College football Saturdays are already packed with reasons to get excited in this season. Fandall is giving fans even more ways to get in on every matchup. Join all the action at fandall.com. My name is Zach Seiko, the host of Lockdown Nettany Lines. And yes, we got you covered with Marshall on the Lockdown podcast network. Dave Schultz of Lockdown Sunbelt is here in this crossover episode is we're going to break down everything with this Penn State versus Marshall matchup. We're going to give you our predictions later on. So can Penn State cover this 24 and a half point spread? It's moving around. So is it going to stay at 24 points, but we'll make our predictions how both teams are

going to game plan, right? Marshall questionable on defense. They've made some adjustments, but that's where Penn State can really attack. But I want to kick things off big picture day because you are the Marshall Sunbelt expert here. Penn State is coming in with a completely new team, right? The defense has a lot of unknown. The offense remains consistent. There's continuity there, but how's it all going to look at the big 10 level? Well, this isn't a big 10 team. And Matt Campbell doesn't routinely put away weaker non-conference opponents. Do you like Marshall's chances to kind of make things a little uneasy at Bieber Stadium in the first game of Matt Campbell's career? I absolutely do. And I'd say Marshall expert-ish. Okay. They are, they're a little bit loaded, especially on offense. All right. Take for what you will for preseason, you know, teams, but Marshall has five guys on the Sunbelt all first, all first Sunbelt team. Two offensive linemen, a wide receiver, and a tight end.

And the quarterback, Carlos Del Rio Wilson, was voted preseason player of the year. So they're a little bit loaded offensively. Tony Gibson is going into a second year of being a head coach. Long time assistant coach was at NC State most recently and had to revamp a whole Marshall team that Charles Huff who got that big win in Memphis last week. Former Penn State, former Penn State running backs coach. That's right. Yes, if you ever get a chance to have Charles Huff on, ask him who's the best running back he ever coached. That's a pretty good question considering all the running backs that he had at Penn State and in Alabama. But so Charles Huff won the Sunbelt conference a couple years ago at Marshall took half the team with him to Southern Miss and turned Southern Miss around into a bold team. So Tony Gibson had to fill in a lot of spots in his first year and admittedly did not go with Carlos Del Rio Wilson, who was just not a good practice quarterback.

But when the lights came on, he was really good. Being in spring ball and now, you know, having fall camp, big things are expected out of Marshall this season. And if I'm Penn State, I'd be a little bit nervous just because let's be honest. Matt Campbell is going to be a little bit nervous making his coaching debut out as the Nitton Lines head coach and you know this better than me. Zach, he wasn't the first choice. He wasn't the first choice. Tony was the second choice. I'm not even sure he was the third choice to be the Penn State head coach. Now he got it so that works out well for him. He did a good job at Iowa State, but he's going to be a little unnerved too because just these days in college football, there's a ton of pressure. James Franklin won 10 ball games a couple of years ago and it's now a Virginia Tech. Yeah. No, and you bring up, you bring up that point, right? That's the common that oh, James Franklin won, but he still didn't even win enough even with the double digit games because at the end of the day, Penn State eventually wasn't moved by winning by 30, 40 points against the likes of a Marshall or a Buffalo and do

time. It was about you never won the games against Ohio State and Michigan. But you bring up that point that yeah, college football is moving very quickly because you see Kurt Zignetti set a really unfair precedent in a way by winning it Indiana of all places. With Matt Campbell coming in, because I want to, I don't want to just be the Penn State Homer for the entirety of the conversation. Most of it, but when I do look at how Matt Campbell performed at Iowa State, because those teams were still definitively better, I do think there's kind of an element of him playing the long game in this one because now does that put you on upset watch? I guess potentially it could because on paper, Penn State is definitively better, more talented than this Marshall team. However, there are a lot of moving parts and do you want to experiment a little bit to start to build out your depth chart? Do you want to see different guys in different spots that can they handle it?

It's not the one and no mentality anymore. I think that's kind of the biggest difference is that James Franklin was always so hyper-focused, even if the team was significantly better, how can we pummel them? I do think there's some added, there are some outside factors that Matt Campbell wants to say, okay, what do we have at this position group? Can we challenge this group? And they're kind of using Marshall as maybe a little bit of a measuring stick as, now is that an issue? Is that a problem at the end of the day? Because some people might say, well, you got to win the game. Who cares about all that other stuff? We saw what that turned into with James Franklin and Penn State that it wasn't good enough. Well, I would do that when I'm up third year 40, but I'm certainly not doing it. I'm not doing it in the first half against anybody and I wouldn't do it on a second or third possession. I got to see what my starters couldn't do, right? They know all the plays that the other side of the ball is having. We need to go against guys that we don't know exactly what's coming. So that's an interesting situation. I hear what you're saying, but I don't think this is your normal group of five, group of

six. Yeah, let's hear the waters. Yeah, because it is an experienced ball club. Bernie Gibson's been around a long time again, only a second year as a head coach. As for many Campbell at Iowa State, he always did pretty well because the bar at Iowa State was always set so low. He did play a couple of big 12 championships, lost him both, but anytime he got to eat wins, it was good. I will say just to give you a sum belt comparison and we'll go back a little bit. I think it was the COVID year that Billy Napier and Levi Lewis went into Ames, right? Is that where Iowa State is? Yes. And the Rage Encaygians took down some guy named Brock Birdie and Iowa State and Matt Campbell. So he's faced some belt teams before. So he knows not to overlook them. Should Penn State win this? Like you said, on paper, they got the four and five star guys. You know, Marshall's lucky if they have any four star guys, but they are talented and

they are experienced. And if I was Penn State, I wouldn't be taking the sundering herd lightly. No, and with what you mentioned about the veterans and the star power respective to the sun belt, I wouldn't be either. And Marshall doesn't look, I don't want to say that, hey, Marshall's got nothing going for them or anything like that, but they have every reason to play spoiler. And I'm not here to say that Penn State, because there are people that, you know, anybody can say anything online, but that Marshall should go in and Penn State should be scared that they're right. It's the talent. And I think that what Penn State has in terms of continuity, right? If all these moving parts on offense and defense everywhere, and it was something that they had to put together, right? The reason Kurt Signetti and Indiana were able to succeed right away is because there was so much continuity and consistency coming over from James Madison to Indiana. That same idea applies here. That same standard applies with Matt Campbell. There are so much coming over from Iowa State. Well, that's, they're just the Penn State cyclones.

It's actually a good thing in this transition that you keep the core. You keep the nucleus. It's not a bunch of Iowa State holdovers. It's some of the better players that Matt Campbell's had from that previous team. So, and then you combine that with the Penn State players that stuck around. That's why I'm confident Penn State wins. I think Penn State wins comfortably. And it's also a really good coaching staff. The guys that he was able to bring in like Dan Lynn from USC and things like that. It's not just, hey, we're going to take Iowa State and drop it in the big 10 and see how they do. I don't think that if you're, if you're thinking that you're completely wrong about this Penn State team. Yeah, I agree with that. And I also, I don't think Marshall is going to be afraid. You know, a few years ago, you know, it was one weekend, same Saturday, you know, Marshall, I'm going to forget my team's here. Marshall, I think went in and beat Notre Dame, right? App State, beat NM and Georgia Southern beat Nebraska all on the same day. Yeah.

So Marshall won't be scared. So that would be the one thing I got, they got going from there. They're not going to be afraid of playing Penn State. It doesn't mean they're going to win, but they're not going to be afraid of Penn State. Well, you mentioned Carlos Del Rio Wilson. He is the one that makes this offensive go and offense go and he's surrounded by a strong supporting cast for a Marshall team that's looking to make a run in the Sun Belt. And what the defense that has so many moving parts of Penn State could potentially give them fits. We'll talk about that next year on this lockdown crossover. And today's episode is brought to you by five hour energy. If you've got a sweet tooth like I do, you know how tough it is to find that perfect treat without all that sugar. That's why cotton candy, five hour energy shots bring that nostalgic flavor back in a whole new way. This is that classic cotton candy taste that you remember, but now with the tasty caffeine boost and zero sugar, it's a quick easy way to satisfy that sweet craving while keeping

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monitoring centers in the industry. The ADT plus app keeps you in control the whole time. Don't leave your home wide open during an emergency when every second counts count on ADT. Visit ADT.com or call 1-800-ADT-ASAP. So we're going to start to get into the game planning aspect of it. What is Marshall want to do when they have the football? What is Penn State want to do to try to prevent some points for some turnovers and then flip that? Penn State, Iowa State, the Iowa State nucleus unoffence carries over. So what does that look like now over at Penn State? And how is Marshall going to defend it with a defense that was really suspect a season ago? So let's lay it all out and then make our predictions in the upcoming segment. Dave, how would you describe this offense? Because when I look at it, it's the Del Rio Wilson show that and it's from a football perspective, me appreciating college football. It is good to see that he has a supporting cast that he can rely on because he does it all to begin with and then you just give him more leverage.

You have made me a bigger believer already after one segment in Marshall as they go through conference play and anything. This team sounds exciting, especially from the offensive side of the football. Well, if you want to start another, maybe we can do locked on tight end or just throw it to the tight end because I would love to have that podcast. I love throwing it to the tight end because it opens up the entire offense, right? Because the tight end is usually faster than the linebackers and bigger than the safety. All right. And then you open up the running game and then it opens up the deep passes as well. Toby Payne is all sunbelt tight end. But then you have a wide receiver as well in Adrian Norton, whose first team all sunbelt. And you got Carlos Del Rio Wilson, a Syracuse guy. I have to be from Syracuse. Didn't go there, but big orange fan. We'll see if Ferran Brown can do it. That's a different episode of a different podcast, but we'll see how your number three goes for Ferran Brown. But he was up there in Syracuse a few years ago. And even when they lost last year, like to the Cajuns, Del Rio Wilson still had a really

good ball game in a double overtime loss. Because as you mentioned, the defense struggled last year. We'll see if Brad Lambert can change that for this season. But if Del Rio Wilson can rely on his teammates and he doesn't have to carry the load, then it makes it much more difficult to defend it because we have to stop the quarterback. We got to stop the running back. We got to stop the wide receivers and we got to stop the tight end. It's not easy to do all of that. You can take one thing away, but now I got multiple options and they like to be balanced. They want to be a balanced team. But at the same time, they will open things up as well. Yeah, don't look at Del Rio Wilson for anybody. Oh, he's a he's a mobile quarterback. So you probably can't throw where he's got to use his legs to open up the passing game. So that makes this offense more lethal. So he can drop back and pass if he needs to. But I think one of the things that at least doing my martial prep, I noticed that, hey, the running backs are not as strong as they could be. And Del Rio Wilson is going to have to rely on his legs a little more to help open up

the passing game, but help, but to also help offset what's at the running back spot. Is that fair to say? So we'll see because again, they have two offensive linemen that are all preseason sundault first team. And so, you know, which is better, the offensive line or the running back. Because if my offensive line can block, it may not matter who is behind me running the football, you know, I, you know, to go pro wise, we're going to, I think, I think Kenneth Walker is going to find out how good the offensive line was in Seattle compared to that offensive line in Kansas City. As a Patriots fan, he wasn't getting touched until five, six yards down the field. That's not going to be the case this year. So, um, so if the offensive line can produce and not only protect Carlos, Del Rio Wilson, but get some push and obviously that's not going to be easy against, you know, the Penn States front seven, you know, it could make it much more effective offensively for the hurt. Now, from Penn State's perspective, defensively, the key is accounting for the quarterback. Okay.

If he's going to be, so you're going to be running a lot of read option style defense, meaning that there's got to be a lot of you got to, your defensive end has to be disciplined. Okay. If he's a threat to keep the football anytime, if they're going to have read option plays, RPO type plays, uh, the likes of Max Granville or Ivan, Kamesh, you and fortunately for Penn State, those defensive ends are veterans. They, and they understand and despite Penn State having troubles with mobile quarterbacks last year, it's a different defensive coordinator. It's a different coach. I think Dan Lynn will be very much prepared. But I think the, the outsider looking at this game might say, oh, Penn State struggled enormously with a mobile quarterback on defense that it's probably going to happen again. I, I would say no because Dan Lynn comes in and stalls a defense, a new defensive system. I think where the issues will, will be had where the breakdowns will be in kind of some chemistry communication because it is the first game after all. And that's where all the moving parts are.

So when you have a martial law offense, kind of similar to Penn State where it's just, you have a solid core in place. You have a solid nucleus. So kind of where I'm leaning in this game is a lot of points because Marshall is going to want to speed Penn State up. They're going to want to put points on the board. Shut the crowd. Uh, take the crowd out of it. And Penn State has the capability of being able to, okay, hey, if you want to speed us up, we'll play that game. We can put points on the board. So the defense is that work in progress. Whereas the, as we flip it over, Penn State's offense, okay, well, Marshall's defense has a lot of question marks. They're making some changes. They were not, they were not great to put it politely last year. I mean, the numbers are off the charts. This is a team that you could feed off of week and week out for opposing offenses. They're over 30 points a game, over 400 yards a game. You could run against them. You could pass against them every weakness. You could exploit. You could do it. With the Iowa State nucleus on offense coming over quarterback running back multiple starting

wide receivers, multiple, uh, tight ends. One of them is going to be available. The other ones working his way back. But still that is a core. That is a nucleus. And then the offensive coordinator, then the quarterbacks coach, the offensive line coach, all the, the apparatus that made Iowa States offense a year ago is now at Penn State. So I don't see any of those. Hey, they're going to be slow to start or they're, they're going to have communication and chemistry issues. I don't think so in the slightest. And that's what leads me to believe. We're going to see a bunch of points in week one. See, we all hear what we want to hear. Zach, I heard you say take the over. That's what I heard. You can translate that. Yeah. That's a fair translation. Or somebody already has taken the over. What? What did that one? So how would you, how would you look at Marshall's defense? What are they trying to do? What are they trying to fix? Are they starting with stopping the run or they more concern? Because I, I'm not familiar entirely with the sun belts. So maybe there's just more passing, right? What is the other? Yes, they're well, I mean, they don't call the fun belt for nothing, Zach.

And this is true. All right. Points, right? And just because you score points with a couple of minutes to go, doesn't mean the other team won't score. They're pretty good on the back end. All right. They want Smith is all sun belt safety. And they got their corner back. One of those five and five year guys, Boogie Trotter, who's coming back on the corner. So if they can get any pressure upfront whatsoever, they're going to be in good shape. And that's not something they're on a custom too, just a couple of years ago. Michael Green was the sun belt player of the year defensive end. I think he led the nation in sex just two years ago when they won the sun belt championship. So if they can get any pressure upfront, they're going to be pretty in pretty good shape. All right. This season, all right. I presume what Penn State wants to do and, you know, doesn't matter if it's Matt Campbell or, you know, Joe Paterno or Bill O'Brien, you know, run it down your throat, you know, whether it's, you know, court Warner or whoever, I'm just giving my age. I do even know who court Warner is. I do.

Yeah. I'm really going to upset me. All right. By the way, my mother graduated from Penn State. We don't hold that against her too much. Is the creamery still a thing? Oh, yeah. Absolutely. All right. Good. All right. So Penn State usually doesn't matter who the coach is. They're running offenses from, you know, 1955. So that's probably what they're going to do a little bit is try to see if they can manhandle Marshall upfront because the offense of line of Penn State is going to be bigger and more athletic than the defensive line for Marshall. But if they want to, you know, air it out a little bit, they better be careful because those guys on the back end are pretty good. To answer that directly, this Penn State offense, at least the way that what they're bringing over with Taylor Mauser, the offense of coordinator and what we've heard over the course of the off C is in training camp. This is going to be an offense that multiplicity is the word that's been used a lot where we can run the football at you. We can go 12 13 personnel run multiple tight ends. We can go five wide if we really need to.

So and there's a lot of the last two decades has Penn State gone five wide. Oh, yeah. That's what I thought. Let's see. Can I even can I even get to one or two? Right. That. So am I expecting that to be their bread and butter? Absolutely. I hope they do it. I'm telling you, I just I hope they do it just to come into the, you know, 21st century. It's it's all the hybrid stuff because what is Dan Lind doing the same thing on the equivalent on defense where it's got we're going to have a 425. We're going to run a 4 3 depending on and that's the way the big 10 is because the big 10 is just not a classic. Hey, most of these teams run ground in pound. You got USC. You got Washington, all these teams that come over from the former pack 12 and and you just have you'll have your Wisconsin's you'll have teams that want to hey, we're going to try to pumble you and play ground and pound football north western. But then the next week you got four wide receivers getting ready to run deep on a USC team.

So it's the it's the hybrid offense and defense that Penn State is going to try to do. So yeah, there will be some ground and pound. But if that's where the you do have to start running the football. So I agree that Penn State's going to look to control the pace of the game, whereas Marshall wants to turn this into a shootout and then hopefully you can force Penn State into making mistakes where they're uncomfortable. So at least as to our predictions what we talked about what can happen, what might happen, what will actually happen. We're going to get to that next year on this lockdown crossover. And today's episode is brought to you by Fandall college football Saturdays are already packed with reasons to get excited. And this season, Fandall is giving fans even more ways to get in on every matchup back your favorite team build a same game parlay, bet team props or make your picks on the biggest games of the weekend and throughout the season. Keep an eye on the Fandall app for even more ways to get rewarded with a full slate of

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could change but at the time of this recording Penn State is a 24 and a half point favorite minus 4,000 on the money line for the netney lines plus 1400 if you're thinking upset for Marshall 52 and a half on the points total I think you and I can agree Dave that there are going to be points to be have Penn State's offense again carrying over there's a lot of talent on offense a lot of certainty right there's more certainty with Penn State and Marshall's offense versus what they have defensively okay and then again this is the Sun Belt fun belt defense after all versus a a big 10 team so Penn State should be able to move the ball effectively but because of what Marshall has they can also move the ball effectively I just I wonder when when does the talent does the depth does I mean Matt Campbell was brought in because he's an ex is a nose coach does that eventually take over at some point in time because like I said if Marshall can kind of keep themselves in the game and take the crowd out of it and say you know man and just kind of start to put in the air was it really worth moving on

from James Franklin in the previous regime for this is it really was it really can you create that kind of environment that uneasiness in week one. Well you can right they're going to be anxious in football fans are you know demanding like that I think it's going to be a football game all right you give me plus 14 hundred I may just you know put a little bit on our schedule app right that's not the worst odds in in the world but I think it's going to be a football game you want me to get specific. We can get a specific as we need to as far as scoring I think Marshall's going to have a fourth quarter lead. I think Penn State will take the lead five minutes left to go and they will get they'll be up 28 24 and they'll get a stop inside their own 20 yard line Marshall can't kick a field goal to win or tie the ball game they'll need to touchdown Penn State will get a defensive stop inside their own 20 yard line as Marshall is driving down the field to win the football game they'll get a stop 28 24 Penn State this will be a football game. I'm I'm I'm really having a hard time

taking 24 and a half points. I do think that's a lot for Matt Campbell first game regardless of opponent right there there's going to be jitters involved in again the track record. Sometimes he beats up on the non-conference opponents and wins the way that he should decisively multiple touchdowns it's done and over with and then there are other times again that Louisiana goes into goes into aims. There's other times where he struggled I think it was northern Iowa took them down to the Wyrons like okay man that's questionable but at the same time he can be to play off Oklahoma team so it's really it is really strange the array of results that you have with Matt Campbell as a football coach here I can tell you points I can guarantee you points I would like to think that this is a game I would hope to see Penn State kind of keep Marshall at least in the 20s and then they get to over 35 over 40 points to really keep this out of reach if I'm my hopeful score prediction is that Penn State wins something like 42 to 24 okay you're going to

give up some points Marshall's going to score a few touchdowns and just kind of you know keep fans on the edge of their seats so that's the most a back door almost a back door cover for Marshall yes depending on when they score that final touch like they score that final touchdown against the second team and 13 yeah yeah if it's something like 35 17 so in that but I could see everybody notice how how Red Zack turned when I said it's going to be a football game can we get we need are you in the press box or do you watch these games at home because can we get a live feed of you watching this game as Marshall is going down the field to try and win it I can only imagine how red you get if that's a possibility how nervous and flustered you might be even though you know the stop is coming because I predicted it how nervous you would be if it was this game into the fourth quarter I probably had the same I probably had the same expression if not worse against UCLA so I've been there I've been there done that type deal this this sounds very

flea that they blew right they were never in the lead in that game oh no they all UCLA had a big way to almost came back in one yeah yeah yeah yeah okay this sounds very reminiscent of bowling green I don't know if you have any recollection of the Penn State bowling green game where they just kind of traded touchdowns back and forth and eventually Penn State pulled away but bowling green was just this was week two two years ago in 2024 and Penn State ended up when they kept bowling green in the 20 and it was a one score game I don't I think it was 30 it was 30 to 23 but bowling green went out and landed the first couple of punches yeah so that's that's the thing if if Marshall can withstand that initial push they'll be in this football game now you know Penn State could get the ball or could be you know what if they say Penn State gets a football Marshall for whatever reason decides to you know give the ball to Penn State to begin with they get a score they get a stop and they get another score I mean it could be 14 minutes to go or you know 14 nothing to go before you

know the fans have gotten you know finish their first snack in the stadium so that very well could happen so if Marshall can Marshall needs to withstand that initial punch from Penn State which is I think inevitable I'll say I'll say 35 to 24 I do think Marshall's going to put up some points and I think Penn State has enough to keep them at an arms length as keep this as and then that's where Marshall hey they're they're down Penn State allows that late touchdown and then that makes it look a lot closer than it seems but still I think that Penn State has enough enough carry over and just the the coaches and everything else that come together that keep this at a decisive game for the Nettany lines but I wouldn't be surprised at Marshall lands those first couple of punches. So the score really isn't all that big of difference in prediction the difference is Marshall scores to make it 28 24 and then Penn State scores the late touchdown to look like they

pulled away a little bit that you just said 35 24 yeah so the scores aren't all that all that different I just I think I think Penn State will get a stop right right at the end and that's where hopefully the the talent by the way we both have Marshall covering we both have Marshall covering we both have the total going to do it do you have the I had the under I had the under I went right on that 52 okay they didn't teach math at Penn State did they know I skipped math I skipped math yeah my understanding is that there would be no math can't even use that mean you can't even use that gift anymore they took it off I don't you know things just don't get better. Hey that is where we will wrap things up on this locked on crossover between locked on send vote and locked on Nettany line thank you so much for joining us let us know your thoughts your predictions down in the comments section if you are new subscribe to the youtube channels and wherever you get your podcast to keep up with everything that Dave does when it comes to the Sunbelt Fun Belt

Conference and everything over here when it comes to Penn State with locked on Nettany lines day but was great to get to connect with you I will see how much overlap we have in the future but I'm glad we were able to get together to do this and hopefully we get to do another crossover in the not too distant future at some point thanks for the time thanks for having me on Zach enjoy the game it's Halloween time at the Disneyland Resort and many began to brew up delights and spying tingling fun Halloween time August 21st through October 31st visit disneyland.com or contact your travel advisor for important details you're juggling a lot but you can still squeeze in a financial plan with the north western mutual financial advisor as your partner it's not only possible it's personalized so if you're tying the knot closing on a house or welcoming a little one you'll be ready for whatever life tosses your way it's the right time to feel less stressed and more certain that's a better way let's get started at nm.com the north western mutual life insurance company Milwaukee Wisconsin

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