Indiana (11-1) has taken the college football world by storm in HC Curt Cignetti’s first season at the HC of IU program. The Hoosiers rattled off four straight easy wins to start the year before toppling Maryland 42-28.

Nov 23, 2024; New York, New York, USA; Notre Dame Fighting Irish running back Jeremiyah Love (4) leaps over Army Black Knights cornerback Donavon Platt (28) for a touchdown during the first half at Yankee Stadium. Mandatory Credit: Vincent Carchietta-Imagn Images

The time for screaming at each other about who deserves to be in the College Football Playoff and who doesn't has come and gone. There's no more need for hypotheticals, whether sensible or not, because it's time to determine some winners on the field.