U.N.I. is 0-5 in semi-final games, but the Panthers defeated three number one teams so far this season, including last week's 24-21 win at New Hampshire. But N.H. also gained over 600 yards, but were done in by turnovers. U.N.I. is from a very tough conference and Texas State has defeated several division II teams. The Panthers have done well in close games and shown the ability to come from behind. I guess getting 6 1/2 looks pretty good.