with less than 3 losses. As to Miami, the fewest losses Cristobal has in a complete season anywhere is 2. He's always good for 2 losses. He'll find a way. (Who can forget his not having his QB kneel to run out the clock at the end of the 2023 Georgia Tech loss.)
But in my opinion, that wouldn't be decisive to ND's playoff chances. If ND finishes 10-2 and establishes in the minds of the public and media that it is one of the best teams playing, if not the best -- think Ohio State in 2014 -- then the integrity of the playoffs will require ND's inclusion. If ND muddles through its remaining schedule to a 10-2 finish with at best a long-shot chance of winning the championship, it won't be included and why care if it isn't.