ZAC JACKSON (1-6-1 last week, 15-18-1 overall): I’m in London this week for Vikings-Browns, and I’ll be back home next week for UMass at Kent.

Who’s got it better than me? As long as you ignore my record last week, nobody.

By my count, we head to October and Week 5 of the NFL season with my college record at 8-11 and my NFL record at 7-9. (Editor’s note: close enough.) I won my pick of the month for millions upon millions* of dollars, but I crashed last week to a losing month.

Browns-Vikings might head to penalty kicks at 3-3, so mark me down for under 36.5. Otherwise, the floor is yours.

JON GREENBERG (2-3, 9-13-1): I’m writing this at about 3 a.m. London time, which probably means you’re just getting back to your hotel room from a night at the pubs. Meanwhile, I’m winding down from an exciting Cubs playoff game and preparing for the holiest day of the year for me, Yom Kippur. I know the equivalent for you is Kent-Akron, but that’s not until Nov. 11.

For my two college games, I was going to take big favorite Michigan at home against Wisconsin, but last I checked, the line went up to -17.5, and that’s a point too high. The Badgers are that bad, though.

I’ll take Vanderbilt +10.5 on the road in Tuscaloosa. Vandy, of course, beat the Crimson Tide at home last season. Hopefully, for them and my terrible record, they can do it again. Or at least come within 10 points.

I was thinking about taking Oklahoma -45.5 over Kent State at home, but I don’t know much about John Mateer’s replacement, Michael Hawkins Jr. Is he 46-point win over the Golden Flashes good?

JACKSON: I’m saving my Kent State anticipation for next week. I like your Vanderbilt pick, and not just because I saw a guy in a Vanderbilt sweatshirt outside of Buckingham Palace today. If Diego Pavia beats Alabama again, he’ll become actual royalty.

I like Navy -12 vs. Air Force, and only partially because I lost on Air Force last week. The Air Force defense is that bad and is 125th in rush defense EPA per the wonderful site, GameOnPaper.com. Air Force has given up 49, 49 and 44 points in its last three games. I’ve learned my lesson.

Cincinnati -1.5 at home vs. Iowa State is my next winner. The Bearcats appear much improved and can score. Bettors smarter than we are have been hitting the over all week, and I think Cincinnati scores plenty in its biggest game in a while.

Ohio State -23.5 vs. Minnesota. The Buckeyes are back at home and playing great defense. This is a talent mismatch and a great chance for Ohio State to get more work for its passing game and freshman quarterback Julian Sayin. With 38 here, they cover easily.

GREENBERG: OK, I’ll make my second game Cincinnati -1.5. That was one that caught my eye too. But then again, I spent Thursday fasting to atone for my recent picks, so it’s probably not a good thing to have my seal of approval.

I was going to do Vikings -3.5. Minnesota is going to win, but I could see myself ruing the hook. Still, a rookie QB against a Brian Flores defense? In London or the U.S., the exchange rate on that transaction seems lopsided. So I’ll join you on the under 36.5. The Vikings will probably win 12-3 or something.

I’ve made fun of Spencer Rattler and the Saints in this space, but I think they get their first win this week at home against the Giants, who lost Malik Nabers last week. Saints -2, with my nose plugged.

Finally, I’ll go Ravens +2 at home against the Texans. Baltimore can’t keep losing like this, right?

And on a dark, desert highway, cool wind in my hair, I’ll take Eagles as my survivor pick.

Editor’s note: On Friday afternoon, Jon amended the above Ravens pick, writing: “I initially picked the Ravens and then saw the book-length injury report. I’m switching to Texans -1.5. This always works.”

JACKSON: The only way the under in London loses is with defensive touchdowns. There might be defensive touchdowns, so I’m not putting this in the play-of-the-month category. But I do think that 13 points can win it.

I like Kansas City to win, but I much prefer the -3 to the 3.5. I think the Chiefs want offense to be actually fun again with Xavier Worthy back, and I think the Jaguars are due for some regression. I’ll buy the hook and go Chiefs -3.

So we’ll finish with Raiders +7. Yes, I know the Colts should have won last week. And I’m terrified of a Jonathan Taylor 200-yard game, but I’ll take the full touchdown here against Daniel Jones — and keep taking it until he proves me wrong.

My survivor is Arizona.

Cheerio.

Zac Jackson’s picksJon Greenberg’s picks

(Photo of Diego Pavia and Richie Hoskins: Johnnie Izquierdo / Getty Images)