Betting Trend: Navy is 5-13 ATS (27.8%) as a two-touchdown plus favorite against FBS competition (since 2005).

The 49ers had extra time to prepare for Navy's unique offense, plus the Midshipmen have a huge game looming next week vs. Notre Dame. Are they seriously more than 17 points better than Charlotte? I'm not betting on that. Navy's strength of schedule is weak and its defense has struggled, giving up over 650 yards to Memphis earlier this season.