Florida State is already one of the biggest disappointments in recent Bowl Subdivision history. Actually, disappointment is too soft a word. The Seminoles should be considered a flat-out disaster after losing 20-12 at home to No.

For just the third time in program history, the Florida State Seminoles are 0-3 after their 20-12 loss to the Memphis Tigers. Despite improvements on the defensive side of the ball as well as some more magic from kicker Ryan Fitzgerald, the Seminoles were unable to get things going early on, and suffered because of it.

Even those who faded Florida State in the preseason probably didn't expect to be counting their money in mid-September. The Seminoles' 20-12 loss to Memphis on Saturday clinched the under on their projected win total of 9.