Final takeaways from College Football Playoff and bowl games

Dec 31, 2022; Glendale, Arizona, USA; TCU Horned Frogs head coach Sonny Dykes celebrates their 51-45 over the Michigan Wolverines during the Vrbo Fiesta Bowl at State Farm Stadium. Mandatory Credit: Joe Rondone-Arizona RepublicMich Tcu 28
Dec 31, 2022; Glendale, Arizona, USA; TCU Horned Frogs head coach Sonny Dykes celebrates their 51-45 over the Michigan Wolverines during the Vrbo Fiesta Bowl at State Farm Stadium. Mandatory Credit: Joe Rondone-Arizona RepublicMich Tcu 28 /
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GLENDALE, ARIZONA – DECEMBER 31: Quarterback Max Duggan #15 of the TCU Horned Frogs gestures the Go Frogs Hand sign after the College Football Playoff Semifinal Fiesta Bowl football game against the Michigan Wolverines at State Farm Stadium on December 31, 2022 in Glendale, Arizona. The TCU Horned Frogs won 51-45. (Photo by Alika Jenner/Getty Images)
GLENDALE, ARIZONA – DECEMBER 31: Quarterback Max Duggan #15 of the TCU Horned Frogs gestures the Go Frogs Hand sign after the College Football Playoff Semifinal Fiesta Bowl football game against the Michigan Wolverines at State Farm Stadium on December 31, 2022 in Glendale, Arizona. The TCU Horned Frogs won 51-45. (Photo by Alika Jenner/Getty Images) /

TCU is an incredible exception to the college football rule

247 sports puts out the blue-chip ratio rankings every year and the thought behind that is that you need to have at least 50 percent of your roster be blue-chips (4 or 5-star recruits) to win the national championship.

Cincinnati didn’t win the national championship last year and TCU hasn’t won it either, but the Horned Frogs are playing for it and that’s not something anyone expected at the start of the college football season.

TCU was fresh off a 5-7 season and had a new head coach. Beyond that, the Horned Frogs ranked 32nd in the team talent rankings from 247 sports for 2022 with a blue-chip ratio of 21.5 percent.

Max Duggan was incredible and that made up for it, as elite quarterbacks always do, but TCU didn’t look like a team that was less talented than Michigan on Saturday.

Michigan also isn’t ranked that highly in the team rankings. Yet, the Wolverines have 44 blue-chippers compared to 17 for TCU. Transfers have changed that formula.

If you wondered why TCU is a double-digit underdog to Georgia, their lack of blue-chip talent is probably one reason for that, however, the Horned Frogs run to the College Football Playoff and now the national championship game should give a lot of teams hope out there.