LOGICAL APPROACH
P. O. Box 20405 - - - Las Vegas, NV 89112
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2010
COLLEGE & PRO FOOTBALL NEWSLETTER
| Issue # 1 |
Games through September 6, 2010 |
We begin by repeating
this observation every season verbatim. The football off-season seems to shrink each
year. With the rapid advances in communication football is in the news year round,
enabling us to keep up with developments as they happen. At Logical Approach the
football season never really ends and we've been preparing for the 2010 season since
February with great anticipation. That anticipation becomes reality within a few
days as the college football season begins on Thursday, September 2. No longer does
the season begin with just a game or two but in fact between Thursday and Monday
78 FBS (formerly Division I-A) teams will see action in games on the betting board
(including 2 conference games!). Another 38 teams will be playing unlined opponents.
Only 3 FBS teams (Florida International, Louisiana Monroe and New Mexico State) will
not open their 2009 seasons this weekend.
The NFL regular
season gets underway a week from this Thursday on September 9 when the Super Bowl
Champion New Orleans Saints host the Minnesota Vikings in a rematch of last season's
NFC Championship game that went into overtime (and, in fact, spurred a change in
overtime rules for future Playoff games).
America's true
national pastime, wagering on college and pro football, has returned.
Welcome to the
2010 debut issue of the Logical Approach College & Pro Football Newsletter. We
are looking forward to the journey we'll take over the next 5 months as we weave
our way through the college and pro football campaigns. Hopefully it will be a pleasant
and profitable journey with many more peaks than valleys. That is certainly our intention
and we'll do everything in our power to make this our best season ever. The past
several seasons have been very rewarding for readers of this Newsletter much more
often than not and that success provides even greater impetus to work hard during
the off-season. In this issue we kick off our coverage with a look at 39 college
games over the Labor Day weekend as well as presenting our annual college football
conference by conference and Top 30 forecasts.
Before getting
to our previews of the games let's take a few moments to review how our coverage
works and what you can expect once the season gets fully under way. In each issue
we'll try to lead off with a brief commentary or feature about comings and goings
in the world of football. Often we'll present analyses of current trends to further
aid us in our handicapping. We'll use this space to try to keep you abreast of new
research we're conducting and share with you other useful information you will not
find elsewhere.
We'll then preview
the upcoming college football schedule, picking the four games we think offer the
best early week opportunities for success vs. the pointspread. One of these games
will be designated as our Top College Selection of the Week. The other three games
will be our Featured Games of the Week. For each of the four games we'll provide
an analysis of why we think we've got the correct side. These four games can be considered
our college Best Bets for the week. We'll then provide a selection for every other
game on the schedule, both games in the regular rotation and those in the 'added'
rotation. These games will be classified as either 'Best of the Rest' (which indicates
a solid opinion on the game) as 'The Rest' (which indicates only a lean to a side
and represents our weakest selections).
A similar process
will be used for the pros, with four games designated as NFL Selection of the Week
or as Featured Games of the Week. The balance of the schedule will then be rated
as either 'Best of the Rest' or 'The Rest.' In the pros we'll also give selections
on a few Over/Under plays (Totals). These selections will carry the strength of a
'Best of the Rest' selection (solid opinion).
Note that we will
not be able to provide Over/Under selections for college football. Although almost
every college game will have Totals posted, these lines are generally not widely
posted until midweek. We will, however, be providing college Over/Under selections
for Premium Selection Service subscribers.
We also plan to
present our top Money Line plays each week, looking especially for underdogs with
a solid chance of pulling an upset. We'll have up to four college and four pro Money
Line selections each week.
The final feature
of each issue will be our weekly Spreadsheet which will provide you with key statistical
information to assist you in doing your own evaluations. In a few weeks we'll bring
you a comprehensive explanation of the data we provide with 2009's final data before
beginning our weekly 2010 data.
In order to best
use the Selections in this Newsletter you should be aware of the lines we use in
making our selections and how much movement is allowed before a Selection becomes
a 'No Play.' In a change from prior seasons we will be using what can best referred
to as the most "
Widely
Available Line
"
-- which is not necessarily the most favorable line for our selection but rather
a line that is reflective of the line at most Nevada and Offshore Sports Books at
the time we go to press -- usually in mid morning on Tuesdays.
The following chart
shows how much movement is allowed for each level of selection before that Selection
becomes not playable:
| College/Pro Selection of the Week | No more than a 3.0 point move (Except 3 & 7) * |
| College/Pro Featured Game | No more than a 3.0 point move (Except 3 & 7) |
| College/Pro Best of the Rest | No more than a 2.0 point move (Except 3 & 7) |
| College/Pro The Rest | No more than a 1.0 point move (Except 3 & 7) |
| Pro Overs & Unders | No more than a 2.0 point move |
Thus if we make
Chicago a Top or Featured Selection of the Week over Detroit and the line
we use is Chicago - 4, the line can move as high as Chicago - 7 before we'd have
a 'No Play' on that game. If Chicago is a Best of the Rest Selection
'da Bears would not be a play if the line moved above - 6. And as a 'The
Rest' Selection Chicago would be unplayable at - 5 ½ or higher. Note that
the movement allowed for NFL Overs/Unders is the same as for 'Best of the Rest.'
*
Two exceptions to the allowable point moved are the numbers 3 and 7
.
Regardless of the category of a selection, line movements are never to be made off
of or across the numbers 3 and 7. Thus a Featured Selection we may have
lined at - 2 ½ CAN ONLY MOVE UP TO -3. IT BECOMES A NO PLAY AT - 3 ½.
In a moment we'll preview
this weekend's opening college games but first we wish to remind our seasonal subscribers
that they should have received separate notification of the availability of this
Newsletter on our Internet website. You should have received an Access Code that
will enable you to view this Newsletter online several days before you receive it
in the mail. If you are a full season subscriber and have not yet received your Code
(sent by email), please call our offices at (702) 898-9802 or contact us by e-mail
at logical7@cox.net. This feature is not available
for single issue purchasers.
Except as noted, the following
college games will be played on Saturday, September 4.
COLLEGE
GAME OF THE WEEK - FRESNO STATE - 2 ½ over Cincinnati
-
A new era begins for Cincy as former coach Kelly, under whom the Bearcats were 33-7
in his 3 seasons, is off to Notre Dame. He did not leave the cupboard bare but there
will be a period of transition under new coach Jones. Fresno State has been a solid
program for many years and coach Hill routinely has his team contending in the WAC
and his Bulldogs have gone Bowling in 9 of the last 10 seasons. This is a tough spot
for Cincy to open the season - first game for a new coach, on the road vs a quality
program. QB Collaros did start several games last season for Cincy when start QB
Pike was injured. This is also a revenge game for Fresno which lost 28-20 at Cincy
last season despite outgaining Cincy 443-357, arguably outplaying the Bearcats. Although
RB Mathews is now playing for the NFL Chargers, Fresno has a wealth of talent at
the position and should again be able to establish the run. Both the intangibles
and fundamentals favor the hosts in this season opener. Fresno State wins 27-17.
FEATURED COLLEGE SELECTIONS -
MICHIGAN - 3 over Connecticut - The pressure is clearly on coach Rodriguez this season at Michigan and it likely takes a minimum of 8 wins or the coach who left West Virginia for seemingly green pastures may be out after just 3 seasons. It appeared as though 2008's 3-9 debacle was a fluke when Michigan started 5-2 last season but an 0-5 finish with several very ugly losses only served to intensify the criticism and the pressure, which was not lessened by some issues raised by the NCAA this past offseason. Clearly Michigan has some outstanding talent and there are many reasons to expect 2010 to be a winning season and a return to a Bowl game. UConn has developed into a solid program barely a decade after their program was elevated to FBS/I-A status. They are well coached and fundamentally sound though not flashy. The short line is more a reflection of Michigan's recent history of underachieving and Uconn's ability to overachieve. But based on talent the line is short. And considering this is the start of a new season it is reasonable to expect a fully focused effort from Michigan as they bring an angry, underdog mentality into this season. Michigan wins 31-17.
UNLV
+ 21 over Wisconsin
-
As you will read shortly, there is a high regard for Wisconsin in this corner and
their prospects for this season. The Badgers return virtually all of a well balanced
offense that both ran and passed for over 200 yards per game in 2009. They should
be equally as potent this season with a defense also expected to be significantly
improved. But this is also the start of a new era in UNLV football which recruited
reasonably well under former coach Sanford. But Sanford seemed overmatched as a head
coach and his teams played sloppy and undisciplined football, often committing mental
errors that compounded the physical miscues. Unlike Sanford, new coach Hauck has
previous head coaching experience with impressive results at FCS/I-AA Montana, three
times reaching the FCS Championship game in 7 seasons. In prepping for the season
he has already instilled discipline and a new attitude that may not be evident in
their 2010 record but will be clear from UNLV being much more competitive than in
recent seasons. That should be the case here as Wisconsin in what is becoming an
intersectional rivalry. This is the fifth meeting since 2002 and although Wisky is
3-1, the 3 wins have been by 20, 15 and 7 points and came against less talented UNLV
teams than they will face here. Look for Wisky to win but for UNLV to show well.
Wisconsin wins but by just 27-16.
Maryland
+ 7 over Navy (at Baltimore, MD on Monday, September 6)
-
The pressure is on Maryland coach Friedgen as anything less than a winning season
and a Bowl trip all but assuredly means he'll not return for 2011. For the most part
the Terps have fared well since he took over in 2001, with 6 Bowls in his 9 seasons.
But last season's dreadful 2-10 season was Maryland's worst campaign since a period
in the early 1990'2 when a pair of 2-9 seasons were sandwiched around a 3-8 season.
Much of last season's failures were caused by a combination of injuries and inexperience
and while injuries cannot be forecast, the experience gained in 2009 should benefit
the 2010 squad. Over the past decade Navy's program has become stable. The Midshipmen
have been to 7 straight Bowls starting in 2003 which followed seasons of 1-10, 0-10
and 2-10 from 2000 to 2002. The resurgence started under former coach Johnson (now
at Georgia Tech) and continued the past two seasons under current boss Niumatalolo.
But the facts are that Maryland recruits athletes and thus has an inherent advantage
over the service academies whose main edge is disciplined and unselfish play. The
only recent meeting was in 2005 when Maryland (- 13) defeated Navy 23-20 in the season
opener for both teams. Maryland went on to have a 5-6 season whereas Navy finished
8-4. Even 5 seasons later it's tough to justify more than a 2 TD swing based on the
respective talent. Maryland pulls the upset, winning 28-20.
Best of the Rest (Opinions/Recommendations)
| IOWA STATE - 4 over Northern Illinois | Florida Atlantic + 14 over ALA-BIRMINGHAM [1] |
| TOLEDO + 15 over Arizona [2] | Illinois + 11 ½ over Missouri [5] |
| Northwestern - 5 over VANDERBILT | NOTRE DAME - 11 over Purdue |
| LOUISVILLE + 3 over Kentucky | KANSAS STATE - 2 ½ over Ucla |
| Washington + 3 over BYU | Oregon State + 13 over Tcu [7] |
| Arkansas State + 31 over AUBURN | Virginia Tech + 3 over Boise State [4] [9] |
The Rest (Leans/Weak Opinions)
| SOUTH CAROLINA - 14 over Southern Miss [1] | OHIO STATE - 28 ½ over Marshall [1] |
| UTAH - 3 over Pittsburgh [1] | HAWAII + 21 over Usc [1] |
| Minnesota - 2 ½ over MIDDLE TENNESSEE [1] | Western Michigan + 21 over MICHIGAN ST |
| FLORIDA - 36 over Miami Ohio | Colorado State + 12 over Colorado [6] |
| MISSISSIPPI ST - 21 over Memphis | Texas - 29 ½ over RICE |
| OREGON - 34 over New Mexico | AKRON + 8 ½ over Syracuse |
| OKLAHOMA ST - 15 over Washington St | ALABAMA - 39 over San Jose State |
| Utah State + 3 over OKLAHOMA | EASTERN MICHIGAN + 9 ½ over Army |
| North Carolina + 3 over Lsu [8] | GEORGIA - 28 ½ over UL Lafayette |
| NEBRASKA - 37 over Western Kentucky | North Texas + 24 over CLEMSON |
| Bowling Green + 14 ½ over TROY | EAST CAROLINA + 8 over Tulsa [3] |
| Smu + 14 over TEXAS TECH [3] |
[1] Thursday, September 2
[2] Friday, September 3
[3] Sunday, September 5
[4] Monday, September 6
[5] at St Louis, MO
[6] at Denver, CO
[7] at Arlington, TX
[8] at Atlanta, GA
[9] at Landover, MD
Money Line Recommendations
| College: | MICHIGAN | LOUISVILLE | Maryland | Virginia Tech |
Here's our forecast for
the 2010 College Football BCS Championship, our projected Top 30 college teams for
2010 followed by our Conference by Conference preview.
The 2004 season presented
the strongest case for a college football Playoff. No fewer than FIVE - count 'em,
FIVE - FBS/Division I-A teams finished the regular season unbeaten. Auburn, Boise
State, Oklahoma, USC and Utah each went into the Bowl season with unblemished records.
The odds against 5 teams
going unbeaten in a regular season are long indeed - even 4 teams all going unbeaten
is a longshot. But until the FBS higher ups come up with a way to determine it's
true champion on the playing field those who follow major college football - and
the participants themselves - will be denied the chance to truly, without question,
determine who is Number One. In many seasons there will be three, one or no unbeaten
teams, giving rise again to debates as to how best to crown a National Champion.
In other years there may be one or no unbeaten teams and multiple one-loss teams,
obviously each with flaws.
This season begins with
Alabama, the defending BCS Champions, held at 5-1 odds at the Las Vegas Hilton Race
& Sports Book to repeat. The Crimson Tide, however, are not the favorites. The
odds on Ohio State to win the BCS Title are slightly lower, 9-2. The BCS Championship
Game will be held in Glendale, Arizona on Monday, January 10, 2011.
Two other teams are held
at odds of less than 10-1 with Oklahoma at 6-1 and Florida at 7-1. Boise State is
fifth choice at odds of exactly 10-1. These odds were at the Las Vegas Hilton as
of August 21, 2010.
In trying to forecast a
National Champion generally only teams from the 6 BCS Conferences should realistically
be considered. However, the recent success of non-BCS teams such as Boise State,
TCU and Utah have made it possible for such team to play for the BCS Title if they
happen to start the season rated highly, have an unbeaten season, and no more than
one BCS-conference team is unbeaten (and more likely, none).
In the past teams such
as Utah or Boise State (each of which was unbeaten during the 2008 regular season
but play in non-BCS conferences) could not achieve high enough computer or human
rankings even against BCS teams that have one or even sometimes two losses. Fortunately
eyes have been opened and some of these consistently strong non-BCS teams have been
accorded more respect heading into the season.
In looking at the 6 BCS
Conferences (ACC, Big East, Big 10, Big 12, Pac 10 and SEC) it is worth keeping in
mind that the Big East, Big 10 and Pac 10 have built in advantages in that these
conferences do not hold a Conference Championship Game after the regular season.
That's one less possible upset for a highly ranked team to endure on its way to a
National Championship game.
Many pre season prognosticators
have Alabama and Ohio State as the top two ranked teams with Boise State, Florida,
Nebraska, Oklahoma, Oregon and Texas in the mix. Fashionable "longshot"
title contenders include Iowa, TCU and Virginia Tech, although few "expert"
observers expect a national champion contender to emerge from either the ACC or Big
East.
On one hand It's not that
hard to make a case for Alabama winning a second straight SEC Title and again reaching
the BCS Title game. The SEC has now won 4 straight BCS Titles with Florida winning
twice in addition to 'Bama and LSU. But two factors work against a repeat by the
Crimson Tide. First, they must replace 9 of 11 defensive starters. While Alabama
is a program that reloads rather than rebuilds and has more than adequate replacements
waiting in the wings it still takes time for such a massive reloading to find its
rhythm. And a second factor working against the Tide is the overall depth and balance,
not just within the SEC but also within their half of the SEC. Although Alabama will
likely be favored in most games, an upset or two along the way would not be a major
shock. The Tide is well coached and talented enough to reach and perhaps even win
the SEC Championship game but there is an excellent chance for a loss or two along
the way that will ultimately prevent Alabama from returning to the BCS Title game.
An early season road game at offensively potent Arkansas and a later road game at
LSU may result in at least one loss. And they host Penn State in their second game
of the season which could provide a stiff test for that still gelling defense.
The Pac 10 is another well
balanced and deep conference with no standout teams. Last season Oregon won the conference
with an 8-1 record and every other team had at least 3 conference losses. Oregon
may still be the team to beat but any gap that may have existed between the Ducks
and the rest of the conference had narrowed if not been eliminated entirely. Quite
likely the Pac 10 winner will have at least 2 conference losses.
The ACC also faces a tough
task in producing a BCS Title Game team as there again is no clear cut favorite to
win the title. Any one of as many as half a dozen teams can emerge as the team to
beat with Virginia Tech, Miami, Florida State and Georgia Tech all highly regarded.
In the Big East Pitt is
favored to win the conference but games against Miami Fla and at Notre Dame could
both result in losses. Add in Pitt's inability to avoid key losses under coach Wannstedt
makes it tough to see the Panthers advancing to the BCS Title Game. West Virginia
may have an easier route with perhaps only a tough road game at LSU and their 'Backyard
Brawl" at Pitt standing in their path.
Which brings us to the
Big 10 and Big 12. Both conferences appear very top heavy with Ohio State, Iowa and
Wisconsin seemingly well ahead of the rest of the Big 10 although some would put
Penn State in that group as well. In the Big 12 Nebraska, Oklahoma and Texas seem
to be considerably better than the remainder of the conference with Oklahoma State,
Missouri and Texas Tech expected to regress and with Baylor and Texas A&M not
quite able to make huge enough leaps to challenge that top trio.
Each of the three Big 10
contenders return plenty of experience. Ohio State and Wisconsin return nearly their
entire offenses from a season ago and s significant part of their defenses. Iowa
returns only about half of their offense (including senior QB Stanzi) but more defensive
starters than either the Buckeyes or Badgers. Iowa has the most favorable schedule
with home games against Penn State, Ohio State and Wisconsin. Ohio State only plays
4 road games this season but could well slip up at either Wisconsin or Iowa. A loss
at Wisky would not be a surprise especially after the Badgers outplayed the Buckeyes
in Columbus last season, outgaining OSU 2 to 1 (368-184) but losing 31-13 on a couple
of big plays. What limits the enthusiasm for Wisconsin winning the Big 10 is scheduling.
If they happen to pull what would be a very satisfying upset of Ohio State they must
then go on the road to Iowa the very next week. Iowa's schedule is laid out very
favorably for a run at a spot in the BCS Title Game.
Nebraska is a solid favorite
to win the Big 12 North. Other than an early season road test at what should be a
much improved Washington, the Cornhuskers' only true test should be a mid season
home game against Texas in what could be a preview of the Big 12 Title game. Nebraska
does not face long time rival Oklahoma in the regular season. Oklahoma's toughest
test should be their annual tussle with Texas in Dallas, With most of their offense
returning, including QB Jones, the Sooners should have the firepower to avenge a
tough 3 point loss to Texas last season and earn their first win over the Longhorns
since 2007. In what should be a very competitive Big 12 Title game we'd give the
edge to Oklahoma as they seek to rebound from a disappointing 8-5 season in 2009
after winning at least 10 regular season games in 8 of the previous 9 seasons. It's
a tough call as Nebraska could easily defeat Oklahoma but the deciding factor is
Oklahoma having faced tougher competition, both in conference and non-conference
games, to give them a "mental toughness" edge.
If our forecast is correct
it sets up an attractive matchup between Iowa and Oklahoma for the BCS Title that
would end the SEC's domination of this game (to the delight of many outside the South).
Both Oklahoma and Iowa would bring strong credentials into such a contest. Oklahoma
would have the stronger pedigree of the Bi2 conference but it is a conference likely
to be down in 2010. At the same time the Big 10 appears to be enjoying a resurgence
over the past couple of seasons. Iowa has won 5 of 8 Bowls under coach Kirk Ferentz,
including last season's Orange Bow which was their second straight Bowl win after
having their streak of 6 straight Bowl appearances broken when they finished just
6-6 in 2007. Oklahoma has been to 11 straight Bowls under coach Bob Stoops. The Sooners
are 5-6 in those Bowls but have lost 5 of their last 7 after winning 3 in a row,
including the National Championship in the Orange Bowl following the 2000 season.
Since then the Sooners are 0-3 in National Championship/BCS Title games.
The projection here is
for Iowa to deal Oklahoma yet another loss Championship Game loss. The Hawkeyes are
a well balanced team on both sides of the football and Ferentz is acknowledged as
an excellent coach, especially when given added time to prepare. The call is for
Iowa to defeat Oklahoma 27-20 and to win the BCS Championship game.
Of course, without a Playoff, Iowa would win what is still truly a "mythical", albeit widely recognized, National Title. If they are the nation's lone unbeaten team the Championship becomes less mythical but if they are one of several teams with no losses, or worse yet just one loss, the debate intensifies anew.
Here's a look at how we
forecast the
final polls
to
show the Top 30 teams in the nation next January. In parentheses are the
Odds to Win the BCS Title Game courtesy of the Las Vegas Hilton as of August 21,
2010.
| 1 | Iowa (25) | 11 | Texas (15) | 21 | USC (ineligible) |
| 2 | Oklahoma (6) | 12 | Georgia (40) | 22 | LSU (40) |
| 3 | Florida (7) | 13 | Virginia Tech (25) | 23 | West Virginia (75) |
| 4 | Boise State (10) | 14 | Pittsburgh (60) | 24 | Georgia Tech (75) |
| 5 | Wisconsin (40) | 15 | Stanford (100) | 25 | Washington (100) |
| 6 | Alabama (5) | 16 | Auburn (50) | 26 | North Carolina (75) |
| 7 | Nebraska (12) | 17 | Miami Fla (30) | 27 | Tennessee (1,000) |
| 8 | Ohio State (9-2) | 18 | Notre Dame (50) | 28 | Florida State (100) |
| 9 | Oregon State (100) | 19 | Oregon (20) | 29 | Arkansas (40) |
| 10 | TCU (15) | 20 | Penn State (75) | 30 | Navy (100 - Field) |
We now present our picks
to win each Conference, the runner up and a potential dark horse contender. We also
list the teams from each conference that we expect to be profitable when wagered
upon over the entirety of the season (Money Earners) and those we expect to be most
costly to their backers (Money Burners).
| ACC (12 Teams) | Big 10 (11) | Big 12 (12) | Big East (8) | |
| Champion | Virginia Tech | Iowa | Oklahoma | Pittsburgh |
| Runner Up | Florida State | Wisconsin | Nebraska | West Virginia |
| Dark Horse | North Carolina | Michigan | Kansas State | South Florida |
| Money Earners |
Duke
Maryland Miami Fla |
Iowa
Michigan Wisconsin |
Kansas
State
Oklahoma Oklahoma State |
Louisville
Syracuse |
| Money Burners |
Clemson
Georgia Tech |
Indiana
Michigan State Penn State |
Colorado
Missouri Texas Tech |
Pittsburgh
Rutgers |
| Confer. USA (12) | Mid America (13) | Mount. West (9) | Pac 10 (10) | |
| Champion | Houston | Temple | TCU | Oregon State |
| Runner Up | Central Florida | Northern Illinois | Utah | Stanford |
| Dark Horse | SMU | Ohio U | San Diego State | Washington |
| Money Earners |
Central
Florida
SMU Southern Miss |
Ball
State
Eastern Michigan Western Michigan |
Colorado
State
San Diego State UNLV |
Arizona
Oregon State Washington |
| Money Burners |
East
Carolina
Tulsa |
Buffalo
Toledo |
B
YU
New Mexico Wyoming |
Arizona
State
Oregon USC |
| SEC (12) | Sun Belt (9) | WAC (9) | Independents (3) | |
| Champion | Florida | Troy | Boise State | n/a |
| Runner Up | Alabama | Middle Tennessee | Nevada | n/a |
| Dark Horse | Georgia | Arkansas State | Fresno State | n/a |
| Money Earners |
Georgia
LSU Tennessee |
Arkansas
St
Florida Atlantic Western Kentucky |
Fresno
State
Utah State | Army |
| Money Burners |
Alabama
Arkansas Auburn |
Middle
Tennessee
Troy |
Idaho
Louisiana Tech | Navy |
In next week's issue we'll
preview the NFL for 2010, offering our projections for the season and who we think
will make it to the Playoffs and win the Super Bowl in addition to providing week
one selections.
Good luck, enjoy the Labor
Day holiday weekend and let's have a great season!
Note: All Selections are
picked to win Against the Spread (ATS). Unless otherwise indicated, HOME TEAMS are
in CAPS.
Note: ALL MATERIAL IS PRESENTED AS NEWS MATTER ONLY AND IS NOT TO BE USED IN VIOLATION OF ANY FEDERAL, STATE OR LOCAL LAW(S).