Why not put an undefeated UCF team in there, even if they are non-top-five-conference? Alabama lost decisively to the team that lost the SEC championship. Ohio State has two losses, one of which was a blowout to a mediocre Iowa team. USC has two losses, and was routed by Notre Dame. None of these teams has a better argument than any other, so solve it by taking an undefeated team from the AAC.