Taking MEMPHIS. Not that I like laying nearly 3 scores, but even 20 wouldn't be enough for me to grab Navy. This team was a 42pt favorite last week, and was up 10-0 with 8 seconds left in the 2 quarter. We saw how Navy did against ND. Memphis isn't ND, but it sure isn't Wagner. The last 2 years the Tigers rolled 37-13 and 35-17. I think they are better this year, and Navy is worse. 4* Money Maker MEMPHIS