We were prepared to back Tennessee in this spot until QB Joe Milton decided to opt out last week, putting touted but very green 6'6 frosh QB Nico Iamaleava (just 26 passes in mop-up duty this season) into the starting lineup. Good news for Iowa, which last year feasted on Kentucky's backup QBs as Will Levis was out for the Wildcats in the Hawkeyes' bruising 21-0 Music City Bowl win. The shortcomings of the Hawkeye offense are well-known but the physical punishment dished out by another rugged Iowa stop unit likely unnerves the Vols' frosh QB. This suddenly has the look of another "Kirk Ferentz Special" in Orlando. Play Iowa (Citrus Bowl)

Joe Milton's late opt-out on the Vols side changes the dynamics in this Citrus Bowl. Now, UT will be going with touted but very untested frosh QB Nico Iamaleava in Orlando, which comes with many risks against a defense as seasoned and gnarly as Iowa's. Remember, the Hawkeyes blanked Kentucky and its backup QBs Destin Wade and Deuce Hogan in the Music City Bowl last December 31. And now, this seems to fit more into the slow pace we got used to seeing in Iowa games this season that landed "under" eight straight into this bowl game, with some of those "totals" in the 20s! Play Tennessee-Iowa "Under" (Citrus Bowl)

Iowa has hit the Under in eight straight games, even at historically low totals. The Volunteers have only scored a total of 17 points in their last two games vs ranked opponents. This game will be a slow paced, defensive battle. Take the Under.