Philadelphia Eagles10½ WINS

Bill — OVER 10½: He sees one of the league’s five most talented rosters, a top-three offensive line and a team that reliably lives in the 10–11-win range.

Sal — UNDER 9½: Sal dislikes the offense’s identity after losing A.J. Brown and projects a step back to 9–8, choosing the adjusted under rather than 10½.

House — OVER 10½: House is bullish on Philadelphia’s talent and the weaker division around it, calling this an Eagles division despite hating the idea personally.

Dallas Cowboys9½ WINS

Bill — OVER 9½: His first lock: Dallas looks like one of the NFC’s seven best teams, with an 11–6 ceiling and a strong chance to benefit from two weak division rivals.

Sal — UNDER 9½: Even while sharing some of the optimism, Sal lands at 9–8 and wants the Cowboys to prove their rebuilt defense can hold up.

House — UNDER 9½: House also projects exactly nine wins, citing uncertainty over whether the defensive improvement will translate.

Washington Commanders7½ WINS

Bill — UNDER 7½: A lock built around the Tunsil injury, a shaky line protecting a slight quarterback and a schedule that could leave Washington 0–4.

Sal — OVER 7½: Sal expects better injury luck after Washington leaned on old players and had only seven games of Jayden Daniels; he finds eight wins on the schedule.

New York Giants7½ WINS

Bill — UNDER 7½: He doubts Jackson Dart can stay healthy, is out on John Harbaugh and sees a brutal road schedule for a team that may shut players down late.

Sal — UNDER 7½: Sal makes it a lock, projecting 5–12 because the core offensive players cannot stay together and the defense allowed too many explosive plays.

Detroit Lions10½ WINS

Bill — OVER 10½: Detroit’s loaded offense, easier cross-division schedule and potential Gibbs eruption outweigh the injury concerns; he lands at 11–6.

Sal — UNDER 10½: Sal still thinks Detroit is good, but calls for 10–7 amid offensive line questions and the possibility that another supposedly easy game slips away.

House — OVER 10½: Detroit won nine despite terrible injury luck; House believes the softer schedule supplies enough wins to reach 11.

Green Bay Packers9½ WINS

Bill — UNDER 9½: Bill lands at 9–8 because both lines look below average, Micah Parsons may miss half the season and the receiver group has thinned out.

Sal — OVER 9½: Sal projects 11–6, trusting Jordan Love, a less cluttered receiver rotation and Matt LaFleur’s consistent offensive floor.

Chicago Bears9½ WINS

Bill — OVER 9½: Bill believes in Ben Johnson as a perennial 10-win coach and thinks Chicago’s Top 7/8 offense can withstand the obvious regression warnings.

Sal — UNDER 9½: Sal expects the extraordinary late-game turnover and fumble luck to cool, leaving the Bears at 9–8 despite continued improvement.

Minnesota Vikings8½ WINS

Bill — UNDER 8½: He sees Kyler Murray as a poor fit for Justin Jefferson, remembers Murray’s losing track record and does not think the defense has enough talent.

Sal — UNDER 8½: Sal also projects seven wins, doubting Murray will run or attack downfield and expecting Minnesota’s defensive losses to show.

Tampa Bay Buccaneers8½ WINS

Bill — OVER 8½: A hard lock: Tampa has a Top 3 line, abundant offensive firepower, Tristan Wirfs back and enough defensive talent to dominate a bad division.

Sal — UNDER 8½: Sal gives every NFC South team seven wins, noting Tampa’s fifth OC in five years and Todd Bowles’ poor record outside the division.

New Orleans Saints7½ WINS

Bill — UNDER 7½: After repeatedly changing his mind on-air, Bill’s final answer is 7–10; House’s skepticism breaks the tie in his head.

Sal — UNDER 7½: Sal again settles at seven wins, seeing enough division mediocrity to stay competitive but not enough quality to clear the number.

House — UNDER 7½: House’s direct answer is under, even though he likes the Saints relative to the other teams inside the division.

Atlanta Falcons7½ WINS

Bill — UNDER 7½: His strongest NFC opinion: Atlanta has the league’s worst front seven, little receiving depth and a declining line; he projects 4–13.

Sal — UNDER 7½: Sal agrees they are bad but stops at seven wins because the NFC South itself supplies opportunities.

Carolina Panthers6½ WINS

Bill — OVER 6½: Bill likes the second-year growth of Tetairoa McMillan, five useful defenders and solid special teams to steal the seventh win.

Sal — OVER 6½: Sal also lands on seven, calling Carolina fortunate but capable of hanging around the division race into Week 18.

Los Angeles Rams11½ WINS

Bill — UNDER 11½: The roster is elite, but an exceptionally difficult five-game opening stretch keeps Bill around 11 wins.

Sal — OVER 11½: Sal projects 13–4, trusting the blue-chip talent, deep run game and a special teams unit that should be easier to repair.

Seattle Seahawks10½ WINS

Bill — OVER 10½: One of his favorite bets: Bill sees 13 wins, the No. 1 seed and a defending champion strong enough that every loss will feel surprising.

Sal — OVER 10½: Sal ultimately agrees, respecting what Seattle accomplished despite Sam Darnold’s turnovers and expecting the defense to keep it near the top.

House — OVER 10½: House has Seattle winning the division with 12 victories, ahead of the Rams and 49ers.

San Francisco 49ers9½ WINS

Bill — OVER 9½: Bill begins on a tiny under but changes to 10–7, while still imagining they lose a playoff tiebreaker.

Sal — OVER 9½: Sal sees 11–6, with Miami, Arizona and Denver providing enough built-in wins to offset the extraordinary travel.

House — OVER 9½: House calls for exactly 10 wins because the schedule includes too many favorable matchups, especially Washington and the Giants.

Arizona Cardinals3½ WINS

Bill — UNDER 3½: Bill cannot find four wins against the league’s toughest schedule and sees Arizona as a leading candidate for the first pick.

Sal — UNDER 3½: Sal locks the under, pointing to an 0–6 division record, a brutal slate and little reason to expect the offense to rescue them.

Buffalo Bills10½ WINS

Bill — UNDER 10½: A reluctant 10-win under driven by Buffalo’s brutal opening schedule, thin defense and overwhelming dependence on Josh Allen.

Sal — OVER 10½: Sal refuses to take wins away from a team with six straight 11-win seasons and an indestructible quarterback who manufactures points.

House — OVER 10½: House is in lockstep with Sal: if Allen plays, Buffalo’s established floor is 11 wins.

New England Patriots10½ WINS

Bill — OVER 10½: Bill sees 11 wins from a stacked roster, Drake Maye and a schedule full of weak quarterback opposition.

Sal — UNDER 10½: Sal expects a four-win regression from 14–3 and lands exactly at 10 despite respecting the offense’s ceiling.

New York Jets5½ WINS

Bill — OVER 5½: Bill finds seven wins because last year’s three-win team traded away stars midseason and should get more from Geno Smith against several weak quarterbacks.

Sal — OVER 5½: Sal joins the over despite his disbelief, conceding the defense cannot repeat a full season without an interception.

House — OVER 5½: House likes the eight new defensive starters, especially additions such as Minkah Fitzpatrick, and sees meaningful improvement.

Miami Dolphins3½ WINS

Bill — UNDER 3½: Miami is paying most of its highest-priced players not to play, may have the league’s worst secondary and faces a long list of elite quarterbacks.

Sal — UNDER 3½: Sal gives Miami only three wins, citing a barren receiver room and a schedule with six playoff opponents in the first nine games.

House — UNDER 3½: House settles the discussion succinctly: even a 3–14 projection is still an under.

Baltimore Ravens10½ WINS

Bill — OVER 10½: A lock at 12–5: Bill expects Jesse Minter to be a major upgrade and a motivated Lamar Jackson to punish a favorable schedule.

Sal — UNDER 10½: Sal is jealous of Bill’s case but sticks at 10–7, worried about an aging run game and a playoff-team gauntlet.

House — UNDER 10½: House expects a first-year adjustment under Minter and projects 10 wins before a bigger leap later.

Cincinnati Bengals10½ WINS

Bill — UNDER 10½: Four great players are not enough for 11 wins when the line cannot protect Joe Burrow and any injury to a star could sink the offense.

Sal — OVER 10½: Sal reluctantly buys the popular case: an easier schedule and improved defense should let Burrow’s offense reach 11.

House — OVER 10½: House is drinking the Cincinnati Kool-Aid, believing late-season defensive improvement plus the soft schedule gets them to roughly 11.

Pittsburgh Steelers8½ WINS

Bill — OVER 8½: Bill sees another 10–7 knuckleball season, trusting the franchise to grind out wins even if Aaron Rodgers cannot finish the year.

Sal — UNDER 8½: Sal projects 8–9 because last season went about as well as possible and the aging Rodgers-led offense should regress.

House — UNDER 8½: House expects a meaningful step back once Pittsburgh’s remarkable one-score success no longer has Mike Tomlin behind it.

Cleveland Browns5½ WINS

Bill — UNDER 5½: Even with an easy schedule and two strong drafts, Bill sees 5–12 because the incentives favor a quarterback reset and the line and defense have slipped.

Sal — UNDER 5½: Sal also lands at five, arguing that losing Myles Garrett means the defense can no longer carry a disastrous quarterback situation.

Houston Texans9½ WINS

Bill — OVER 9½: A 12–5 lock built on the conference’s best defense, a top coach and an offense that only needs C.J. Stroud to rebound modestly.

Sal — OVER 9½: Sal also has 12 wins, believing Houston’s defense can win games even if Davis Mills has to play.

House — OVER 9½: House goes all the way to the 12-win alternate total, expecting the new offense to help both Stroud and the offensive line.

Jacksonville Jaguars8½ WINS

Bill — UNDER 8½: Bill cannot get past Jacksonville’s costly Travis Hunter trade and weak draft.

Sal — OVER 8½: Despite acknowledging regression signals, Sal trusts Trevor Lawrence’s confidence and projects a second straight double-digit season.

Indianapolis Colts8½ WINS

Bill — UNDER 8½: Bill doubts Daniel Jones can reproduce last year while returning so quickly from a torn Achilles and nearly makes it a lock.

Sal — UNDER 8½: Sal does make it a lock at 6–11, expecting Jones to lose the mobility that powered last season’s offense.

House — UNDER 8½: House loves Shane Steichen but will not endorse a quarterback returning this quickly from an Achilles injury.

Tennessee Titans5½ WINS

Bill — UNDER 5½: Bill finds only five wins and says Tennessee must beat nearly every other bad team on its schedule to clear the number.

Sal — OVER 5½: Sal projects eight, expecting improved receivers and major free-agent spending to make the defense better.

Denver Broncos9½ WINS

Bill — OVER 9½: An 11–6 lock: Denver can block, defend and lean on Sean Payton, giving it a sturdier foundation than more star-dependent contenders.

Sal — UNDER 9½: Sal projects 9–8 because last season’s one-score fortune should reverse and the first six games are punishing.

Kansas City Chiefs9½ WINS

Bill — UNDER 9½: Bill calls it a transition year: Travis Kelce and Chris Jones are aging, the secondary was reset and the late schedule is savage.

Sal — OVER 9½: Sal will keep betting Patrick Mahomes until given a reason not to and expects normal one-score and division results to restore 10 wins.

House — UNDER 9½: House is even further out, citing an extremely young secondary and a pass rush and line that have not improved.

Los Angeles Chargers9½ WINS

Bill — OVER 9½: Bill lands exactly at 10 because Jim Harbaugh belongs in the 10-win club, though the interior line and difficult rest schedule keep it slight.

Sal — OVER 9½: Sal locks in 11, expecting healthier tackles and Mike McDaniel to improve a red zone offense that underachieved last year.

Las Vegas Raiders5½ WINS

Bill — UNDER 5½: Bill cannot find six wins once the division and games against the AFC East and NFC West are counted; the roster still feels incoherent.

Sal — OVER 5½: His most embarrassing over: Sal sees seven wins from a better line, heavy free-agent spending and a more competitive Kubiak offense.

House — UNDER 5½: House follows Bill’s schedule math and does not see enough available victories to get Las Vegas to six.