Its easy to under-rate Harvard because they always finish un-defeated or close to it, yet their SOS is weaker. Its rare to consider an Ivy league school in the top 25 to start the year because of their SOS record, yet at the end of the year you almost have to stick a 10-1, 9-1, 8-2 Harvard in the top 25.

The over-rated schools are more interesting. Its either a school that consistently makes the playoffs but bounces out early (Surprised UNH wasnt in there), or a school like Delaware that makes/wins the title game or goes 4-7.