I think Jacksonville will defeat the AFC Central winner in wild-card game. Let's assume SD finally wins a home playoff game. They've lost the last 2. That puts SD at Indy. Jax at NE. Garrard has improved since last year. But, I don't think they can put enough points on board to beat us. Hard to believe SD forced 6 turnovers, returned 2 kicks for td's and nearly lost a game. At home nonetheless. Chargers just too stupid to beat a semi-healthy Colts squad. NE vs Indy IV. Thoughts?