Will the College Football Playoff pick the best teams, even if they don’t have a conference championship?

Before this week, college football’s regular season looked like it was going to end without much fanfare or controversy. Alabama, Michigan, Clemson and Washington were all undefeated, and dominating the rest of college football.

And then three of them had to go ahead and lose.

Thanks to a crazy week, the College Football Playoff picture just got a lot more convoluted, and we could have an unprecedented situation on our hands: Two teams that don’t even win their divisions could theoretically make the Playoff.

We still have to wait until Tuesday night for the Playoff committee to release its poll, but the AP poll can provide some good clues, and the No. 2 and No. 3 teams in that poll — Ohio State and Louisville, respectively — are very unlikely to win their divisions. Ohio State would need to win out (entirely plausible) and hope Penn State loses to Michigan State and Rutgers (less plausible). If the Buckeyes do win out, but Penn State does too, then the lower-ranked Nittany Lions would go to the conference title game. Louisville would need to win out (entirely plausible) and hope Clemson loses another ACC game (less plausible), or else Clemson goes to the conference title game.

If all of that happens, then this group of teams could theoretically be fighting for three Playoff spots:

Team Current Rank Potential Record Potential Wins Potential Losses Potential Accolades
Ohio State 2 11-1 Michigan, Wisconsin, Oklahoma Penn State N/A
Louisville 3 11-1 Florida State, Houston Clemson N/A
Clemson 5 12-1 Auburn, Louisville, Florida State, ACC Coastal Champion Pitt ACC Champion
Washington 7 12-1 Washington State, Stanford, Pac-12 South Champion USC Pac-12 Champion
Wisconsin/Penn State 7/9 11-2/11-2 LSU, Nebraska, Penn State/Ohio State, Wisconsin Ohio State, Michigan/Pitt, Michigan Big Ten Champion

In this scenario, it is very likely that Clemson would also make the Playoff as a No. 2 seed. The Tigers would have the best wins of the group, in addition to being conference champions. However, the final two spots get very interesting.

The committee has shown deference to conference champions before, choosing Ohio State over “co-champions” Baylor and TCU in 2014. However, those teams had similar resumes. Ohio State and Louisville have been more consistently dominant than the potential Big Ten champion (Wisconsin or Penn State), and both have better resumes than Washington.

One would hope the Playoff committee would choose the four most impressive teams to make the Playoff. In this case, due to random luck and arbitrary scheduling, it might turn out that two of those teams couldn’t even win their divisions. Hopefully, the committee can look past that.

The biggest upset of the season

Whenever there’s a massive upset, some people like to claim that the upset is one of the biggest in generations, and others like to rain on those people’s parade by accusing them of recency bias. But make no mistake — this weekend, we witnessed the biggest upset of the 2016 season, even if it wasn’t your traditional underdog.

The 5-4 Iowa Hawkeyes, underachievers for much of the season and coming off a 41-14 loss to Penn State, took down undefeated, No. 3 Michigan on a last-second field goal.

Going into this game, it was impossible to call Iowa anything other than a massive underdog. The Hawkeyes hadn’t played well all year, and Michigan had been arguably the most dominant team in the country. The Wolverines just seemed too flawless for an upset to even be possible. I grew up an Iowa fan, and I wrote that this was the least confident I had ever been in an Iowa game.

It turns out, I had good reason to be pessimistic. According to the S&P+ projections, Michigan had a 95 percent chance to win, with a projected margin of almost 28 points. No other game with such a wide margin had ended in an upset this year.

This wasn’t a fluke win, either. Iowa actually outplayed Michigan. Play that game again, with the same statistics, and S&P+ says Iowa would win two-thirds of the time.

This is no knock on Iowa — Michigan is damn good — but if there was any question about the upset of the year, there isn’t anymore. The Hawkeyes got the biggest upset in their history, and probably the biggest of 2016 too.

Salute to the Trojans

Lost in all the hoopla of a massive week of upsets was the arrival of the biggest upset story of the college football season: Troy is ranked.

The Trojans are ranked 25th in the latest AP poll, becoming the first Sun Belt team to ever be ranked in the Top 25. They’re 8-1 this year, with the lone loss coming by six points at Clemson — better than most teams could do — and they’re barreling toward a Sun Belt title.

Sun Belt teams shouldn’t be anywhere near the Top 25. It’s the worst of the Group of Five conferences, and its teams are relatively poor compared to the rest of college football. Troy ranked 102nd among public schools by bringing in $27 million to its athletic department this year. That’s $165.5 million less than Texas A&M, which is ranked just two spots ahead of the Trojans.

Troy is unlikely to make a New Year’s Six bowl, as Western Michigan, Boise State or San Diego State will take that spot, but this season has still been entirely unprecedented for the Trojans. They’re one of the top 25 teams in the country — a lot of programs with a lot more money can’t say that.

About Kevin Trahan

Kevin mostly covers college football and college basketball, with an emphasis on NCAA issues and other legal issues in sports. He is also an incoming law student. He's written for SB Nation, USA Today, VICE Sports, The Guardian and The Wall Street Journal, among others. He is a graduate of Northwestern University.