Rutgers at 99% is the market saying a Big Ten program hosting an FCS opponent is about as close to settled as a football result gets. There's almost nothing to argue on the winner, so the only reason to look here is the spread or the game staying respectable, and even that leans hard toward Rutgers running clock in the second half. Howard's 2% is pure disaster insurance, the kind of price that pays only on a turnover avalanche or a rash of injuries to the favorite. Anyone trading the yes side is buying certainty at a discount so thin the fees eat most of the edge, which is why the volume clusters on the underdog.
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