Win and the Raiders are off to London to play Khalil Mack and the Bears with a 2-2 record. But lose and they are 1-3 and looking at a 1-6 start to the season.
Handicapper Christopher Smith likes the underdog Red Raiders, whose defense has improved considerably under first-year coach Matt Wells, against Oklahoma on Saturday.
The Panthers are on a 3-8 spread skid since late 2018, while the Texans are 9-3-1 against the spread in their last 13 regular-season games.
VSiN host Mitch Moss leads the contest with an 11-7-2 against the spread record, Dana Lane is 11-9 and Kelly Stewart and Bernie Fratto are each 10-9-1.