www.betus.com has the game being a pick em. I just can't understand how this is possible. I will say that I haven't SEEN Navy this season, but I've seen Rutgers and they look good. Navy has a good record this year, but if you want to say Rutgers hasn't beaten anyone impressive I think you should look at Navy's record. Beating UMass, UConn, and losing to Tulsa doesn't impress me. I'm not saying Rutgers is going to win this, frankly the line scares me that someone knows something I don't, but on the surface of things this looks like free money to me.