San Diego Chargers (2-0) at Baltimore Ravens (3-0)

When: 1 p.m., MT&T Bank Stadium The skinny: Ravens' defense is tough enough for a veteran QB, let alone for a guy who is seeing it for the first time. Philip Rivers will need more than an off week for that.

Prediction: Ravens, 13-10

---

Arizona Cardinals (1-2) at Atlanta Falcons (2-1)

When:1 p.m., Georgia Dome

The skinny: It won't matter which quarterback starts for the Cardinals, even though Kurt Warner will. The Falcons will bounce back from Monday night in New Orleans.

Prediction: Falcons, 31-14

---

Minnesota Vikings (2-1) at Buffalo Bills (1-2)

When:1 p.m., Ralph Wilson Stadium

The skinny: All of a sudden, the Vikings have become something of a road team (4-1 in past five). And the Bills can't win at home, let alone on the road.

Prediction: Vikings, 21-19

---

New Orleans Saints (3-0) at Carolina Panthers (1-2)

When: 1 p.m., Bank of America Stadium

The skinny: Even when they were struggling, the Saints won their past two games in Carolina. The Panthers can't afford to fall three back in the NFC South ... can they?

Prediction: Panthers, 23-16

---

Miami Dolphins (1-2) at Houston Texans (0-3)

When: 1 p.m., Reliant Stadium

The skinny: This just in: David Carr leads the NFL in passer rating (113.6), completion percentage (72.0) and TD percentage (7.3). And he doesn't have any victories?

Prediction: Texans, 14-13

---

San Francisco 49ers (1-2) at Kansas City Chiefs (0-2)

When: 1 p.m., Arrowhead Stadium

The skinny: The Chiefs didn't just need an off week to work out their offensive problems. Facing the 49ers' defense should help, too.

Prediction: Chiefs, 27-21

---

Indianapolis Colts (3-0) at New York Jets (2-1)

When:1 p.m., Giants Stadium

The skinny: Peyton Manning has already won one game against a New York team in the Meadowlands this season. Betcha a Penny he makes it two.

Prediction: Colts, 31-24

---

Dallas Cowboys (1-1) at Tennessee Titans (0-3)

When: 1 p.m., LP Field

The skinny: The Cowboys have already had two breaks -- the off in Week 3 and the second half in Jacksonville in Week 1. Otherwise, they've been OK.

Prediction: Cowboys, 20-13

---

Detroit Lions (0-3) at St. Louis Rams (2-1)

When: 4:05 p.m., Edward Jones Dome

The skinny: The Lions haven't scored many points under their new offensive coordinator, Mike Martz. All of a sudden, his former team is doing a decent job preventing them.

Prediction: Rams, 24-13

---

New England Patriots (2-1) at Cincinnati Bengals (3-0)

When: 4:15 p.m., Paul Brown Stadium

The skinny: Tom Brady versus Carson Palmer. But Palmer has Johnson, Houshmandzadeh and Henry. Brady doesn't have David Givens and Deion Branch.

Prediction: Bengals, 28-24

---

Cleveland Browns (0-3) at Oakland Raiders (0-2)

When: 4:15 p.m., McAfee Coliseum

The skinny: The previous time the Browns had a three-game losing streak, they went to Oakland and won, 9-7, on a field goal as time expired. That was in December. Deja vu.

Prediction: Browns, 11-8

---

Jacksonville Jaguars (2-1) at Washington Redskins (1-2)

When:4:15 p.m., FedEx Field

The skinny: Mark Brunell completed an NFL-record 22 consecutive passes against the Texans. Just so long as he doesn't throw them to his former Jax teammates.

Prediction: Redskins, 16-10

---

Seattle Seahawks (3-0) at Chicago Bears (3-0)

When: 8:15 p.m., Soldier Field

The skinny: The Seahawks have never started 4-0. The Bears haven't done it in 15 years. Seattle won't put up 42 on this defense.

Prediction: Bears, 14-13

---

Green Bay Packers (1-2) at Philadelphia Eagles (2-1)

When: 8:30 p.m. tomorrow, Lincoln Financial Field

The skinny: Brett Favre looked like his old self against the Lions. Donovan McNabb looked like his old self against the 49ers. Consider the competition.

Prediction: Eagles, 27-17