The logic behind it
Well, if you really want the long drawn out boring logic behind it, here's a look into the world of sports handicapping. Much like you know more about cards, odds, theory, etc... of poker there is more to know than most people imagine about betting on sports.
Indy is not putting up points like theie teams in the past couple of seasons, it's actaully their defense that has kept them in games. Their defense is doing it with an incredible pass rush. There is not a team in the league that develops plays as quick as St. Louis, that quick slant over the middle will neutralize the pass rush. If you think St. Louis won't throw the ball 50 times if they have to your not paying attention.
The line, like you pointed out, is already dropping. I don't think this is a false move, I think the smart money is pouring in on the Rams for this game and the books are reacting to that. It probably won't move again as the next significant move would be to 10 as this game will not have many FG's and it's not moving to 10.
For you trend players:
St. Louis is 3-1 ATS vs Indy in the last 4
Indy is 1-3 ATS at home in their last four tries.
St. Louis is actually out-passing the high flying Indy offense by almost 80 yards a game.
People love the favorite and the over on Monday night, the book factor this in when setting the line, believe me.
Indy probably wins and it may take a backdoor cover to win this bet, but the Rams are the right play even at 13.5
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