Taking TEMPLE here. Pretty simple thinking here. Both teams in this bowl is a disappointment. They had higher goals before a pair of late losses. I was leaning Toledo before their HC, OL, TE, ST, LB. DB, stretch coach and recruiter left for Iowa State. Have to think Temple staff will be focused to get a 10 win season. Better defense should slow down this MAC offense that is capable of putting up points in bunches. 4* Money Maker TEMPLE OWLS