Some people still hate the NCAA playoff format -- or, more specifically, they hate that a panel decides who gets a bid. But that kind of approach could have made a lot of sense in the NFL last season, at least when it comes to this Chargers team, which won six of its final seven games. I mean, given a choice, is there anybody who would have put the Bills in the playoffs over the red-hot Bolts? No. Thankfully, this year's Chargers shouldn't leave anything to question. This loaded group is ready to punch its playoff ticket for the first time since 2013.