The Colts are 2-2. The Jaguars are 0-4, the lone winless team in the NFL. But Jacksonville isn't a terrible 0-4. The Jaguars are 2-2 ATS and have losses to the Dolphins, Browns and Texans by a combined margin of 12 points, an average loss of four points. A goal line fumble cost the Jaguars probably a sure win against Miami when the Dolphins were at full strength with Tua Tagovailoa.

The oddsmaker believes it's time for the Jaguars to win making them the favorite. I agree.

The Colts, a dome team, haven't won at Jacksonville since 2014. Indy has dropped nine consecutive road games against the Jaguars, counting one in London. There is a high possibility of rain for this game. That's a plus in Jaguars' favor being an outdoor team.

Jacksonville not only is due and in must-win mode win, but the timing is good. The Colts are severely hobbled. Jonathan Taylor is out and Anthony Richardson isn't likely to play leaving the Jaguars to defend against immobile Joe Flacco.

The Colts are even more banged-up on defense. They are down several defensive backs and linemen, including three-time Pro Bowler DeForest Buckner. The Colts rank 31st in run defense. The Jaguars are averaging 5.7 yards per run, which rates second in the NFL.