Chargers aren't moving the ball well and Peyton is having trouble with the pressure. With his linemen hurt, he doesn't have enough time to setup and throw. Lots of 2nd half punts.
No opinion but did you check the BetJM contest thread? 75% of the posters had Indy -3.5 for the game ... and the books know that ... how else can a team lay -3.5 for the game and -7 for the half?
Indy will go for it on 4th downs and SD will kick FG's or punt .. so watch out.