The Pack, Ravens, Broncos, and Rams have no business being ahead of the Panthers.
-Pack - aging QB, suspect D, RB who fumbles a lot, average WR's. Severely overrated here.
-Ravens - no QB
-Broncos - lost Portis, OK D, Plummer isn't a big time NFL QB (or at least big enough to get to a SB)
-Rams - Faulk's status?, very inconsistent QB, average D
I'd even bump the Cheifs down (great O, but D is nothing special).
Pats & Eagles are the clearcut faves (and I hate them both), but after that it's a toss up.