re: If Bama and Utah both win out, how do you justify Bama over conference champ Utah?

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You don't. Bama's not making it over a one-loss conference champion. They need Oregon to beat Utah in the Pac 12 Conference Championship Game, OU to lose Bedlam next week and then beat Baylor in the Big 12 Championship Game. If all of those dominoes don't fall, they're done.

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Bama doesn't need all this to happen. If Bama beats Auburn and LSU wins out including beating UGA Bama is in the playoff.