The Underqualified Guy's NFL Picks

Yeah, I know I'm one game late with this. But ask me if I care.

I don't exactly have the "expertise" for my predictions to matter, but at least this gives me the chance to be super-obnoxious and rub it in eveyone's face if I prove more accurate than our four-man panel.

My predictions (mostly) are based on the following premises:
1) A stagnant veteran roster is a dying roster.
2) Trust the five-year franchise cycle. (Or is it four-year? I for-git.)
3) Game-changing stars are actually game-changing stars for about three years, and the rest is just reputation. For the most part.
4) Teams with a lot of high draft picks in recent years have to get the payoff eventually. (Same as #2 actually, but I wrote it so too late.)
5) Daunte Culpepper is not a star quarterback, but rather, is bad and sucks.
6) Too many old guys=bad. Too many rookies=bad.
7) Last year's records mean little, as record only loosely reflects actual performance with a schedule so short and talent disparities so subtle.
8) By the same token as #7, evaluating schedule strength pre-season is pretty fruitless.

AFC East
Bills 10-6
Patriots 8-8
Dolphins 7-9
Jets 7-9

AFC North
Steelers 11-5
Bengals 8-8
Ravens 8-8
Browns 3-13

AFC South
Jaguars 13-3
Colts 10-6 (WC)
Texans 5-11
Titans 4-12

AFC West
Chargers 9-7
Broncos 9-7 (WC)
Chiefs 8-8
Raiders 6-10

NFC East
Cowboys 11-5
Giants 9-7
Redskins 7-9
Eagles 5-11

NFC North
Bears 9-7
Lions 9-7
Packers 6-10
Vikings 4-12

NFC South
Panthers 10-6
Falcons 10-6 (WC)
Saints 8-8
Buccaneers 5-11

NFC West
Cardinals 11-5
Seahawks 11-5 (WC)
Rams 9-7
49ers 4-12

Super Bowl: Jags over Panthers in the matchup of '95 expansion teams. We were robbed of this matchup in '96 when tremendous luck ran out one game short for both teams.

Oh, and I almost forgot premises 9 and 10:
9) Crazy whims are only slightly less accurate than researched predictions.
10) Daaaa Bearss.