why are you defending Indinia?Penn State played a crap WV team, Kent State, and Bowling Green. And they nearly lost to Bowling Green. Is that better than WIU, FIU, and Charlotte? Sure. But not by much, and PSU is thought to be a lock with their loss to OSU on the books, and they haven't obliterated lesser teams.
I think the takeaway may be that their aren’t enough P4 one loss and two loss with big win teams to fill 12 spots.
The lowest a one loss P4 team has ever been ranked at the end of a season is 7th.