Well, regardless of what you're telling me, Simms was 21 of 34 for 264 yards, and that isn't terrible. He wasn't particularly good because he made key mistakes: he was sacked five times (not all of which were his fault), he fumbled, and he threw two interceptions, though one of those bounced off of a referee's head. And just because the Redskins put up a lot of points on the Niners doesn't mean that SF's defense was atrocious on Sunday: teams play well or poorly on different weeks, and match up well or poorly with different teams.

Despite all that, you're obviously sold on a Panthers blowout, and I think we've made our respective points. I'll just add that those who deal in absolutes ("guaranteed money"; "simms is terrible") as opposed to probabilities often run into trouble with sports betting. You could well be right that the Panthers win this handily - certainly the majority of bettors agree - but it's not nearly as certain an event as you're suggesting.