The College Football Playoff field is mostly set. The bubble isn’t very big, but the central debate heading into the conference championship games seems clear: Will the committee elect to place three-loss Alabama into the field ahead of two-loss Miami — or even SMU if the Mustangs lose the ACC title game against Clemson?

The five highest-rated conference champions are guaranteed a spot, with seven at-large bids up for grabs. In the fifth rankings, Penn State, Notre Dame, Georgia, Ohio State, Tennessee, SMU, Indiana, and Alabama are in. On the other side, Miami, Ole Miss, South Carolina, and Clemson lead the first four teams out.