The Montgomery Bowl play is on Florida Atlantic. Game 275 at 7:00 eastern. The Owls fit a nice bowl indicator based on their defensive edge that is already 3-0 this bowl season and we note they are allowing a sensational 16 points per game and a top 10 defense overall. Memphis has the offensive edge but could struggle here as they are 1-8 ats off a win and 0-5 ats in bowl games. The Tigers are also 3-10 ats on field turf. Florida Atlantic has covered 6 straight on neutral fields and 7 of 8 vs a winning team while covering 5 of 6 as a dog. They are 4-10in bowl games and are much better than the blowout loss at the hands of TCU last out. American Athletic conference teams have lost 7 of 10 to Conference USA teams. Take the points with Florida Atlantic