Below is my Top 25 for the College Football Universe poll. After #12, I pretty much have all of those teams as about the same, slightly above average and are pretty interchangeable in my mind although I put a slight premium on defense.

Alabama
LSU
Oklahoma
Boise State
Wisconsin
Oklahoma State
Stanford
Oregon
Clemson
Arkansas
West Virginia
Kansas State
Nebraska
Virginia Tech
South Carolina
Texas A&M
Houston
Michigan State
Michigan
Washington
Penn State
Auburn
SMU
Cincinnati
Notre Dame