Mount Union College of Ohio is the D3 defending National Champion. And yes, they use a playoff in D3 - no commmercials, no money to or from boosters, no scholarships to play FB -- just young men who love the game. MUC has the longest winning streak in the NCAA - they have won 8 of the last 10 titles -- SO those who love competition pray -- not that MUC gets worse but that the rest get better!!!!!! Just kidding, my guess is that our blessed Lord does not work to cover the spreads on D3 FB games,(or any for that matter) He could, I just don't think He does. Here's to a great D3 season!!!!! What's your alma mater? GOT FOOTBALL?