Miss the open enrollment deadline? That torpedoes your chance to make insurance changes.
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And what if theSECandBig Tenmiss theDec. 1 deadlineto modify and expand theCollege Football Playofffor the 2026 season? Well, nothing bad happens. A 12-team playoff format that's working just fine would continue next season.
Sounds pretty good. Certainly, it's not a threat. Let the deadline come and go with no action.
The 12-team playoff isn't broken. It doesn't require a fix.
Texas Tech fans await the start of ESPN's College GameDay pregame show, Saturday, Nov. 8, 2025, at Jones AT&T Stadium.
(Nathan Giese/Avalanche-Journal)
Texas Tech fans await the start of ESPN's College GameDay pregame show, Saturday, Nov. 8, 2025, at Jones AT&T Stadium.
(Nathan Giese/Avalanche-Journal)
Texas Tech fans await the start of ESPN's College GameDay pregame show, Saturday, Nov. 8, 2025, at Jones AT&T Stadium.
(Nathan Giese/Avalanche-Journal)
Fans cheer with signs at ESPN "College GameDay" in front of Ayres Hall on the University of Tennessee at Knoxville campus Saturday, Sept. 13, 2025, before the No. 15 Tennessee Volunteers host the No. 3 Georgia Bulldogs.
(Caitie McMekin/News Sentinel)
Lexi von der Lieth and Peyton Patel turned out for College Gameday at Vanderbilt's Wyatt Lawn in Nashville, Tenn., Saturday, Oct. 25, 2025.
(Rachel Wegner / The Tennessean)
Derek Evetts is picking sides at College Gameday at Vanderbilt's Wyatt Lawn in Nashville, Tenn., Saturday, Oct. 25, 2025.
(Rachel Wegner / The Tennessean)
Fans cheer with signs during ESPN "College GameDay" at Wyatt Lawn on the campus of Vanderbilt University in Nashville, Tenn., Saturday, Oct. 25, 2025 before Vanderbilt hosts Missouri.
(Camden Hall / For The Tennessean)
The Duck gets up to his antics during ESPN’s “College GameDay” on the campus of the University of Oregon on Oct. 11, 2025, in Eugene, Oregon.
(Ben Lonergan/The Register-Guard)
Signs during ESPN’s “College GameDay” on the campus of the University of Oregon on Oct. 11, 2025, in Eugene, Oregon.
(Ben Lonergan/The Register-Guard)
Fans wave signs during ESPN’s “College GameDay” on the campus of the University of Oregon on Oct. 11, 2025, in Eugene, Oregon.
(Ben Lonergan/The Register-Guard)
Oregon head coach Dan Lanning sits for an interview during ESPN’s “College GameDay” on the campus of the University of Oregon on Oct. 11, 2025, in Eugene, Oregon.
(Ben Lonergan/The Register-Guard)
Oct. 4, 2025; Tuscaloosa, Alabama, USA; ESPN’s College GameDay on location on the Quad at the University of Alabama before the Alabama versus Vanderbilt game.
(Gary Cosby Jr., Gary Cosby Jr.-Tuscaloosa News)
Oct. 4, 2025; Tuscaloosa, Alabama, USA; Alabama fans enjoy ESPN’s College GameDay on location on the Quad at the University of Alabama before the Alabama versus Vanderbilt game.
(Gary Cosby Jr., Gary Cosby Jr.-Tuscaloosa News)
Oct. 4, 2025; Tuscaloosa, Alabama, USA; Alabama fans enjoy ESPN’s College GameDay on location on the Quad at the University of Alabama before the Alabama versus Vanderbilt game.
(Gary Cosby Jr., Gary Cosby Jr.-Tuscaloosa News)
Oct. 4, 2025; Tuscaloosa, Alabama, USA; Alabama fans hold up signs during ESPN’s College GameDay on location on the Quad at the University of Alabama before the Alabama versus Vanderbilt game.
(Gary Cosby Jr., Gary Cosby Jr.-Tuscaloosa News)
Oct. 4, 2025; Tuscaloosa, Alabama, USA; Alabama fans hold up signs during ESPN’s College GameDay on location on the Quad at the University of Alabama before the Alabama versus Vanderbilt game.
(Gary Cosby Jr., Gary Cosby Jr.-Tuscaloosa News)
Oct. 4, 2025; Tuscaloosa, Alabama, USA; Alabama fans hold up signs during ESPN’s College GameDay on location on the Quad at the University of Alabama before the Alabama versus Vanderbilt game.
(Gary Cosby Jr., Gary Cosby Jr.-Tuscaloosa News)
Oct. 4, 2025; Tuscaloosa, Alabama, USA; Alabama fans hold up signs during ESPN’s College GameDay on location on the Quad at the University of Alabama before the Alabama versus Vanderbilt game.
(Gary Cosby Jr., Gary Cosby Jr.-Tuscaloosa News)
Oct. 4, 2025; Tuscaloosa, Alabama, USA; Alabama fans hold up signs during ESPN’s College GameDay on location on the Quad at the University of Alabama before the Alabama versus Vanderbilt game.
(Gary Cosby Jr., Gary Cosby Jr.-Tuscaloosa News)
Oct. 4, 2025; Tuscaloosa, Alabama, USA; Alabama fans hold up signs during ESPN’s College GameDay on location on the Quad at the University of Alabama before the Alabama versus Vanderbilt game.
(Gary Cosby Jr., Gary Cosby Jr.-Tuscaloosa News)
Oct. 4, 2025; Tuscaloosa, Alabama, USA; Alabama fans hold up signs during ESPN’s College GameDay on location on the Quad at the University of Alabama before the Alabama versus Vanderbilt game.
(Gary Cosby Jr., Gary Cosby Jr.-Tuscaloosa News)
Oct. 4, 2025; Tuscaloosa, Alabama, USA; Alabama fans hold up signs during ESPN’s College GameDay on location on the Quad at the University of Alabama before the Alabama versus Vanderbilt game.
(Gary Cosby Jr., Gary Cosby Jr.-Tuscaloosa News)
Fans cheer with signs at ESPN "College GameDay" in front of Ayres Hall on the University of Tennessee at Knoxville campus Saturday, Sept. 13, 2025, before the No. 15 Tennessee Volunteers host the No. 3 Georgia Bulldogs.
(Caitie McMekin/News Sentinel)
Fans cheer with signs at ESPN "College GameDay" in front of Ayres Hall on the University of Tennessee at Knoxville campus Saturday, Sept. 13, 2025, before the No. 15 Tennessee Volunteers host the No. 3 Georgia Bulldogs.
(Caitie McMekin/News Sentinel)
Fans hold signs at ESPN’s “College GameDay” in front of Ayres Hall on University of Tennessee Knoxville’s campus, Saturday, September 13, 2025.
(Wynton Jackson/News Sentinel)
Fans hold signs at ESPN’s “College GameDay” in front of Ayres Hall on University of Tennessee Knoxville’s campus, Saturday, September 13, 2025.
(Wynton Jackson/News Sentinel)
Fans hold signs at ESPN’s “College GameDay” in front of Ayres Hall on University of Tennessee Knoxville’s campus, Saturday, September 13, 2025.
(Wynton Jackson/News Sentinel)
Fans hold signs at ESPN’s “College GameDay” in front of Ayres Hall on University of Tennessee Knoxville’s campus, Saturday, September 13, 2025.
(Wynton Jackson/News Sentinel)
Fans cheer with signs at ESPN "College GameDay" in front of Ayres Hall on the University of Tennessee at Knoxville campus Saturday, Sept. 13, 2025, before the No. 15 Tennessee Volunteers host the No. 3 Georgia Bulldogs.
(Caitie McMekin/News Sentinel)
Fans cheer and hold signs at ESPN "College GameDay" in front of Ayres Hall on the University of Tennessee at Knoxville campus Saturday, Sept. 13, 2025, before the No. 15 Tennessee Volunteers host the No. 3 Georgia Bulldogs.
(Caitie McMekin/News Sentinel)
Former Sooner linebacker Curtis Lofton leaves the stage at ESPN's "College GameDay" ahead of the Oklahoma-Michigan game on Saturday, Sept. 6, 2025, in Norman, Oklahoma.
(Steve Sisney/The Oklahoman / USA TODAY NETWORK via Imagn Images)
Fans arrive early for ESPN's "College GameDay" ahead of the Oklahoma-Michigan game on Saturday, Sept. 6, 2025, in Norman, Oklahoma.
(Steve Sisney/The Oklahoman / USA TODAY NETWORK via Imagn Images)
Fans hold signs in support of Lee Corso on the set of ESPN College GameDay prior to the NCAA football game between the Ohio State Buckeyes and the Texas Longhorns at Ohio Stadium on Aug. 30, 2025.
(Adam Cairns/Columbus Dispatch)
Fans hold signs in support of Lee Corso on the set of ESPN College GameDay prior to the NCAA football game between the Ohio State Buckeyes and the Texas Longhorns at Ohio Stadium on Aug. 30, 2025.
(Adam Cairns/Columbus Dispatch / USA TODAY NETWORK via Imagn Images)
Fans hold signs in support of Lee Corso on the set of ESPN College GameDay prior to the NCAA football game between the Ohio State Buckeyes and the Texas Longhorns at Ohio Stadium on Aug. 30, 2025.
(Adam Cairns/Columbus Dispatch, Adam Cairns/Columbus Dispatch / USA TODAY NETWORK via Imagn Images)
Fans hold signs on the set of ESPN College GameDay prior to the NCAA football game between the Ohio State Buckeyes and the Texas Longhorns at Ohio Stadium on Aug. 30, 2025.
(Adam Cairns/Columbus Dispatch)
1/36
Here are some of the funniest signs from ESPN College GameDay this season
Texas Tech fans await the start of ESPN's College GameDay pregame show, Saturday, Nov. 8, 2025, at Jones AT&T Stadium.
(Nathan Giese/Avalanche-Journal)
1/36
Here are some of the funniest signs from ESPN College GameDay this season
Texas Tech fans await the start of ESPN's College GameDay pregame show, Saturday, Nov. 8, 2025, at Jones AT&T Stadium.
(Nathan Giese/Avalanche-Journal)
2/36
Here are some of the funniest signs from ESPN College GameDay this season
Texas Tech fans await the start of ESPN's College GameDay pregame show, Saturday, Nov. 8, 2025, at Jones AT&T Stadium.
(Nathan Giese/Avalanche-Journal)
3/36
Here are some of the funniest signs from ESPN College GameDay this season
Texas Tech fans await the start of ESPN's College GameDay pregame show, Saturday, Nov. 8, 2025, at Jones AT&T Stadium.
(Nathan Giese/Avalanche-Journal)
4/36
Here are some of the funniest signs from ESPN College GameDay this season
Fans cheer with signs at ESPN "College GameDay" in front of Ayres Hall on the University of Tennessee at Knoxville campus Saturday, Sept. 13, 2025, before the No. 15 Tennessee Volunteers host the No. 3 Georgia Bulldogs.
(Caitie McMekin/News Sentinel)
5/36
Here are some of the funniest signs from ESPN College GameDay this season
Lexi von der Lieth and Peyton Patel turned out for College Gameday at Vanderbilt's Wyatt Lawn in Nashville, Tenn., Saturday, Oct. 25, 2025.
(Rachel Wegner / The Tennessean)
6/36
Here are some of the funniest signs from ESPN College GameDay this season
Derek Evetts is picking sides at College Gameday at Vanderbilt's Wyatt Lawn in Nashville, Tenn., Saturday, Oct. 25, 2025.
(Rachel Wegner / The Tennessean)
7/36
Here are some of the funniest signs from ESPN College GameDay this season
Fans cheer with signs during ESPN "College GameDay" at Wyatt Lawn on the campus of Vanderbilt University in Nashville, Tenn., Saturday, Oct. 25, 2025 before Vanderbilt hosts Missouri.
(Camden Hall / For The Tennessean)
8/36
Here are some of the funniest signs from ESPN College GameDay this season
The Duck gets up to his antics during ESPN’s “College GameDay” on the campus of the University of Oregon on Oct. 11, 2025, in Eugene, Oregon.
(Ben Lonergan/The Register-Guard)
9/36
Here are some of the funniest signs from ESPN College GameDay this season
Signs during ESPN’s “College GameDay” on the campus of the University of Oregon on Oct. 11, 2025, in Eugene, Oregon.
(Ben Lonergan/The Register-Guard)
10/36
Here are some of the funniest signs from ESPN College GameDay this season
Fans wave signs during ESPN’s “College GameDay” on the campus of the University of Oregon on Oct. 11, 2025, in Eugene, Oregon.
(Ben Lonergan/The Register-Guard)
11/36
Here are some of the funniest signs from ESPN College GameDay this season
Oregon head coach Dan Lanning sits for an interview during ESPN’s “College GameDay” on the campus of the University of Oregon on Oct. 11, 2025, in Eugene, Oregon.
(Ben Lonergan/The Register-Guard)
12/36
Here are some of the funniest signs from ESPN College GameDay this season
Oct. 4, 2025; Tuscaloosa, Alabama, USA; ESPN’s College GameDay on location on the Quad at the University of Alabama before the Alabama versus Vanderbilt game.
(Gary Cosby Jr., Gary Cosby Jr.-Tuscaloosa News)
13/36
Here are some of the funniest signs from ESPN College GameDay this season
Oct. 4, 2025; Tuscaloosa, Alabama, USA; Alabama fans enjoy ESPN’s College GameDay on location on the Quad at the University of Alabama before the Alabama versus Vanderbilt game.
(Gary Cosby Jr., Gary Cosby Jr.-Tuscaloosa News)
14/36
Here are some of the funniest signs from ESPN College GameDay this season
Oct. 4, 2025; Tuscaloosa, Alabama, USA; Alabama fans enjoy ESPN’s College GameDay on location on the Quad at the University of Alabama before the Alabama versus Vanderbilt game.
(Gary Cosby Jr., Gary Cosby Jr.-Tuscaloosa News)
15/36
Here are some of the funniest signs from ESPN College GameDay this season
Oct. 4, 2025; Tuscaloosa, Alabama, USA; Alabama fans hold up signs during ESPN’s College GameDay on location on the Quad at the University of Alabama before the Alabama versus Vanderbilt game.
(Gary Cosby Jr., Gary Cosby Jr.-Tuscaloosa News)
16/36
Here are some of the funniest signs from ESPN College GameDay this season
Oct. 4, 2025; Tuscaloosa, Alabama, USA; Alabama fans hold up signs during ESPN’s College GameDay on location on the Quad at the University of Alabama before the Alabama versus Vanderbilt game.
(Gary Cosby Jr., Gary Cosby Jr.-Tuscaloosa News)
17/36
Here are some of the funniest signs from ESPN College GameDay this season
Oct. 4, 2025; Tuscaloosa, Alabama, USA; Alabama fans hold up signs during ESPN’s College GameDay on location on the Quad at the University of Alabama before the Alabama versus Vanderbilt game.
(Gary Cosby Jr., Gary Cosby Jr.-Tuscaloosa News)
18/36
Here are some of the funniest signs from ESPN College GameDay this season
Oct. 4, 2025; Tuscaloosa, Alabama, USA; Alabama fans hold up signs during ESPN’s College GameDay on location on the Quad at the University of Alabama before the Alabama versus Vanderbilt game.
(Gary Cosby Jr., Gary Cosby Jr.-Tuscaloosa News)
19/36
Here are some of the funniest signs from ESPN College GameDay this season
Oct. 4, 2025; Tuscaloosa, Alabama, USA; Alabama fans hold up signs during ESPN’s College GameDay on location on the Quad at the University of Alabama before the Alabama versus Vanderbilt game.
(Gary Cosby Jr., Gary Cosby Jr.-Tuscaloosa News)
20/36
Here are some of the funniest signs from ESPN College GameDay this season
Oct. 4, 2025; Tuscaloosa, Alabama, USA; Alabama fans hold up signs during ESPN’s College GameDay on location on the Quad at the University of Alabama before the Alabama versus Vanderbilt game.
(Gary Cosby Jr., Gary Cosby Jr.-Tuscaloosa News)
21/36
Here are some of the funniest signs from ESPN College GameDay this season
Oct. 4, 2025; Tuscaloosa, Alabama, USA; Alabama fans hold up signs during ESPN’s College GameDay on location on the Quad at the University of Alabama before the Alabama versus Vanderbilt game.
(Gary Cosby Jr., Gary Cosby Jr.-Tuscaloosa News)
22/36
Here are some of the funniest signs from ESPN College GameDay this season
Oct. 4, 2025; Tuscaloosa, Alabama, USA; Alabama fans hold up signs during ESPN’s College GameDay on location on the Quad at the University of Alabama before the Alabama versus Vanderbilt game.
(Gary Cosby Jr., Gary Cosby Jr.-Tuscaloosa News)
23/36
Here are some of the funniest signs from ESPN College GameDay this season
Fans cheer with signs at ESPN "College GameDay" in front of Ayres Hall on the University of Tennessee at Knoxville campus Saturday, Sept. 13, 2025, before the No. 15 Tennessee Volunteers host the No. 3 Georgia Bulldogs.
(Caitie McMekin/News Sentinel)
24/36
Here are some of the funniest signs from ESPN College GameDay this season
Fans cheer with signs at ESPN "College GameDay" in front of Ayres Hall on the University of Tennessee at Knoxville campus Saturday, Sept. 13, 2025, before the No. 15 Tennessee Volunteers host the No. 3 Georgia Bulldogs.
(Caitie McMekin/News Sentinel)
25/36
Here are some of the funniest signs from ESPN College GameDay this season
Fans hold signs at ESPN’s “College GameDay” in front of Ayres Hall on University of Tennessee Knoxville’s campus, Saturday, September 13, 2025.
(Wynton Jackson/News Sentinel)
26/36
Here are some of the funniest signs from ESPN College GameDay this season
Fans hold signs at ESPN’s “College GameDay” in front of Ayres Hall on University of Tennessee Knoxville’s campus, Saturday, September 13, 2025.
(Wynton Jackson/News Sentinel)
27/36
Here are some of the funniest signs from ESPN College GameDay this season
Fans hold signs at ESPN’s “College GameDay” in front of Ayres Hall on University of Tennessee Knoxville’s campus, Saturday, September 13, 2025.
(Wynton Jackson/News Sentinel)
28/36
Here are some of the funniest signs from ESPN College GameDay this season
Fans hold signs at ESPN’s “College GameDay” in front of Ayres Hall on University of Tennessee Knoxville’s campus, Saturday, September 13, 2025.
(Wynton Jackson/News Sentinel)
29/36
Here are some of the funniest signs from ESPN College GameDay this season
Fans cheer with signs at ESPN "College GameDay" in front of Ayres Hall on the University of Tennessee at Knoxville campus Saturday, Sept. 13, 2025, before the No. 15 Tennessee Volunteers host the No. 3 Georgia Bulldogs.
(Caitie McMekin/News Sentinel)
30/36
Here are some of the funniest signs from ESPN College GameDay this season
Fans cheer and hold signs at ESPN "College GameDay" in front of Ayres Hall on the University of Tennessee at Knoxville campus Saturday, Sept. 13, 2025, before the No. 15 Tennessee Volunteers host the No. 3 Georgia Bulldogs.
(Caitie McMekin/News Sentinel)
31/36
Here are some of the funniest signs from ESPN College GameDay this season
Former Sooner linebacker Curtis Lofton leaves the stage at ESPN's "College GameDay" ahead of the Oklahoma-Michigan game on Saturday, Sept. 6, 2025, in Norman, Oklahoma.
(Steve Sisney/The Oklahoman / USA TODAY NETWORK via Imagn Images)
32/36
Here are some of the funniest signs from ESPN College GameDay this season
Fans arrive early for ESPN's "College GameDay" ahead of the Oklahoma-Michigan game on Saturday, Sept. 6, 2025, in Norman, Oklahoma.
(Steve Sisney/The Oklahoman / USA TODAY NETWORK via Imagn Images)
33/36
Here are some of the funniest signs from ESPN College GameDay this season
Fans hold signs in support of Lee Corso on the set of ESPN College GameDay prior to the NCAA football game between the Ohio State Buckeyes and the Texas Longhorns at Ohio Stadium on Aug. 30, 2025.
(Adam Cairns/Columbus Dispatch)
34/36
Here are some of the funniest signs from ESPN College GameDay this season
Fans hold signs in support of Lee Corso on the set of ESPN College GameDay prior to the NCAA football game between the Ohio State Buckeyes and the Texas Longhorns at Ohio Stadium on Aug. 30, 2025.
(Adam Cairns/Columbus Dispatch / USA TODAY NETWORK via Imagn Images)
35/36
Here are some of the funniest signs from ESPN College GameDay this season
Fans hold signs in support of Lee Corso on the set of ESPN College GameDay prior to the NCAA football game between the Ohio State Buckeyes and the Texas Longhorns at Ohio Stadium on Aug. 30, 2025.
(Adam Cairns/Columbus Dispatch, Adam Cairns/Columbus Dispatch / USA TODAY NETWORK via Imagn Images)
36/36
Here are some of the funniest signs from ESPN College GameDay this season
Fans hold signs on the set of ESPN College GameDay prior to the NCAA football game between the Ohio State Buckeyes and the Texas Longhorns at Ohio Stadium on Aug. 30, 2025.
(Adam Cairns/Columbus Dispatch)
SEC, Big Ten can't agree on expanded playoff format
As Petitti's obsession with play-in games deepened, I thought he must either be an unserious person, or he's conducting a psyop. Or, he's an unserious person conducting a psyop.
Because, if there's one thing college football needs, it's a play-in game involving the Big Ten's sixth-place team. (I typed that in my sarcastic voice, can you tell?)
We just had that play-in game. We called itOregon 18, Iowa 16, on Nov. 8. The regular season supplies the play-in games.
But, wait. Maybe, there's hope for sixth-place Iowa yet. Yahoo Sports'Ross Dellenger recently reportedBig Ten stakeholders have mulled a mega playoff with 20-plus teams and littered with auto bids.
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That dog won't hunt in the South.
"I'm not a big fan of automatic qualifiers," Mississippi State President Mark Keenumsaid recentlyon "The Paul Finebaum Show."
Keenum, giving voice to the SEC's position, favors a 16-team playoff, but with 11 at-large bids selected by the playoff committee.
If you're wondering why I'm quoting Mississippi State's president, he's the chairman of the CFP's board of managers, and he's the SEC's representative to the group. That makes him a notable voice on playoff expansion talks.
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"I think the best teams ought to play in (the playoff) … and not have automatic bids," Keenum told Finebaum. "That's the position of the Southeastern Conference presidents and chancellors (and) our commissioner."
To review, the Big Ten would like a bigger playoff with a bevy of automatic bids. The SEC doesn't like automatic bids, nor does it benefit from them. Three weeks from the deadline, the conferences are miles apart. Playoff expansion cannot occur unless the Big Ten and SEC agree on a new format.
"I'll be honest, I'm not very optimistic that we'll" reach an agreement on CFP expansion before the deadline, "but we'll keep working on it," Keenum said.
Don't bother. Let's pretend the deadline was Nov. 1, and, with no consensus reached, continue with this 12-team format in perpetuity.
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12-team College Football Playoff strikes right balance
By my count, 30 teams remain in playoff contention entering this third Saturday in November. That includes nearly two dozen teams from power conferences.
That's enough contenders to keep the schedule full of impactful games each weekend, without devaluing results.
The Oregon-Iowa result mattered greatly. In the Petitti plan, that game would have been a glorified exhibition before the teams meet again in a December play-in game.
This weekend, Texas and Oklahoma will play SEC road games with their playoff fates hanging in the balance. Southern California will try to keep its hopes alive against Iowa. Notre Dame must sidestep surging Pittsburgh.
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Playoff stakeholders tweaked the seeding structure for the 12-team format this past offseason. No longer are first-round byes exclusive to conference champions. Instead, teams ranked Nos. 1 through 4 will receive byes, no matter whether they won their conference.
Initially, I thought that seeding adjustment might be a premature reaction, but withthe ACC caving in on itself,I'll admit it was a worthy change to stop having byes exclusive to conference champions.
With that seeding kink ironed out, this fine-tuned 12-team structure can really shine.
The committee will have to make a difficult decision or two come selection Sunday, but the season results will sort most of it out. If the playoff expands, the field would become messier. That's not necessary.
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I count six teams as serious national championship contenders. No team that could win it all will be snubbed from a 12-team bracket.
At 12, the playoff remains exclusive, but accessible.
This playoff format works. Let the CFP expansion deadline pass. Ride with 12.