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Strippers have rights, too!

I wondered that too. Mortgage insurance rates are based on down payments and credit score to protect the lender. Mortgage interest rates are a bigger issue since they have gone from 3.1% in 2020 to around 7% currently. Homeowners insurance rates are steadily going up and is a problem everywhere. Maybe that's what he's trying to get across. Probably due to climate change and global warming.

Another benefit of serving is access to VA home loans which preclude large downpayments and mortgage insurance.
The average mortgage rate over the last 50 years is 7.75%.
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Sports Business Thought Mandel's Answer in the Athletic was worth discussion



Hey Stewart: With the Big Ten and SEC both stating they have no interest in adding any more teams, where does that leave Florida State and Clemson, considering the current “scorched earth” approach they have taken towards the ACC? Would they even be interested in joining the Big 12? — Conor O., Houston

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Football Pre-Fall Camp College Football Playoff Predictions

I thought it might be fun to do a pre-fall camp CFP prediction thread since FSU is a week away from reporting for camp. Then we can come back the week prior to first game and reevaluate after camp ends for all teams and we can factor injuries or other issues that might have impacted a team's roster prior to the start of the season.

CFB Playoff Format:

  • Guaranteed bids for the top five conference champions in the CFP rankings; no conference will have an automatic bid, a conference must have a minimum of eight members for its champion to be eligible for a guaranteed bid.
  • At-large bids for the seven highest-ranked remaining teams, which could include additional conference champions.
  • The four highest-ranked conference champions will receive first-round byes.
  • The remaining teams will play each other in the first round at the home fields of the better seeds or an alternate venue of their choosing; match-ups will be 5–12, 6–11, 7–10, and 8–9.
  • The quarterfinals and semifinals will be hosted by the New Year's Six (the Cotton, Fiesta, Orange, Peach, Rose, and Sugar bowls) on a rotating basis.
  • The championship game will continue to be held at a separately determined neutral site.
  • The playoff bracket will not be reseeded at any time.
  • First round games will occur in December, quarterfinal games on or around New Year's Day, semifinal games at least one week later, and the championship game one week after the semifinals.
Heading into the start of fall camp, who are your 12 playoff teams-Please indicate who your conference champions are by ranking them 1-4. Then the other seven 5-12 to determine what schools you think might finish high enough to host a playoff game.
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