If four Power 5 conference champions finish undefeated, most people would assume that those teams would be named to the final four by the College Football Playoff committee.

Not necessarily says CBS Sports senior writer Jerry Palm, who believes that a one-loss SEC or Big Ten team could steal the fourth spot from Baylor, even if the Bears win the Big 12:

While Baylor (6-0) is currently undefeated, and ranked in the top 10 (No. 8 in the Coaches Poll and No. 9 by the Associated Press) the Bears have faced weak competition:

Palm recently ranked Baylor the No. 9 most likely team to make the final four, behind undefeated SEC teams Alabama (No. 2) and Texas A&M (No. 4), but ahead of one-loss Florida (No. 12).