The Arizona Cardinals are in first place in the NFC West, but they've been fortunate to have had an easy schedule so far. The piled on the points in wins over the likes of San Francisco, Detroit and Chicago, but all four of their wins have come against teams with a losing record. I think Arizona is a little overrated, and I'll take the Ravens as a big underdog on Monday Night Football.

Here are my keys to the game:

1. Previous History - These teams have faced each other just four times since 2000, and Baltimore has won all four meetings. The Ravens have covered in five straight road games versus a winning team, and five of their last six on Monday night.

2. Line Value - The Ravens may have five losses in six games, but not one of those losses came by a margin of seven or more points. Public money has already moved the line several points since it opened, giving us even greater value.

3. X-Factor - Arizona is 7-15-1 all-time on Monday night.

Selection: This is a play on the Baltimore Ravens (10*)