The FCS playoff picture will take shape with Week 13 games a day before FCS Selection Sunday.

The Top 4 seeds could be pretty clear, depending on results. The Top 5 seeds could also get real messy, depending on results.

Two Top 10-ranked matchups will especially impact the order of the overall Top 8 seeds: No. 1 NDSU at No. 4 USD and No. 9 Montana at No. 2 Montana State.

What does this weekend’s result mean for these four teams and their playoff positioning? We’ll go through the scenarios below.

For the purposes of this article, we’ll say things go chalk and No. 5 UC Davis wins at Sac State and No. 3 SDSU wins at No. 18 Missouri State, which is no guarantee, but they would be big upsets if Davis or SDSU were to lose.

If Montana State & NDSU Win

NDSU and Montana State should be the Top 2 playoff seeds with home-field advantage.

It will be a healthy discussion in the selection room and during the committee member voting process on who the No. 1 seed is.

• NDSU: 11-1 overall, 11-0 vs. the FCS, 5 currently-ranked wins, 2 Top 10 wins, No. 1 strength of schedule
• MSU: 12-0 overall, 3 currently-ranked wins, 3 Top 10 wins, FBS win, No. 22 SOS

NDSU has been ranked No. 1 for most of this year, and the committee could have the same mindset as voters, similar to 2022.

Two years ago, Sac State had a better on-paper resume than SDSU, but SDSU, who was ranked No. 1 for most of the season, got the top seed. Sac State was 11-0 with an FBS win, four ranked wins, and the No. 4 SOS. SDSU was 10-1 overall, 10-0 vs. the FCS, three ranked wins, and the No. 5 SOS.

Seeds 3-4 behind NDSU and MSU would probably be SDSU and UC Davis, assuming they win on Saturday.

• SDSU: 10-2 overall, 9-1 vs. the FCS, 9 D1 wins, 3 currently-ranked wins, 2 Top 10 wins, No. 3 SOS, FCS loss to NDSU
• UC Davis: 10-2 overall, 10-1 vs. the FCS, 2 currently-ranked wins, 2 Top 10 wins, No. 15 SOS, FCS loss to MSU

Mercer, Idaho, or UIW could fight for the No. 5 seed after this.

With a loss, Montana would finish 8-4 overall/vs. the FCS with two currently-ranked wins. The Grizzlies will likely get a 9-16 seed and host a first-round game.

With a loss, USD will be nervously wondering if it’ll get a first-round bye. The Coyotes would finish 8-3 overall with only seven D1 wins and zero currently-ranked victories. How does that stack up to other teams with nine or 10 D1 wins who are fighting for a Top 8 seed? USD’s No. 8 SOS could help its argument, and if it were to lose to NDSU, a close loss would be important for the “eye test” instead of getting blown out.

If Montana State & USD Win

Montana State should jump to the No. 1 seed at 12-0, three currently-ranked wins, three Top 10 wins, and an FBS win.

With a loss, Montana would finish 8-4 overall/vs. the FCS with two currently-ranked wins. The Grizzlies will likely get a 9-16 seed and host a first-round game.

Seeds 2-5 then get very interesting in this scenario. The committee would have to sort through these teams to seed behind Montana State (assuming SDSU and UC Davis win on Saturday):

• UC Davis: 10-2 overall, 10-1 vs. the FCS, 2 currently-ranked wins, 2 Top 10 wins, No. 15 SOS, FCS loss to MSU
• NDSU: 10-2 overall, 10-1 vs. the FCS, 4 currently-ranked wins, 1 Top 10 win, No. 1 SOS, FCS loss to USD
• USD: 9-2 overall, 8-1 vs. the FCS, 8 D1 wins, 1 currently-ranked win, 1 Top 10 win, No. 8 SOS, FCS loss to SDSU
• SDSU: 10-2 overall, 9-1 vs. the FCS, 9 D1 wins, 3 currently-ranked wins, 2 Top 10 wins, No. 3 SOS, FCS loss to NDSU

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If Montana & NDSU Win

Montana should get into the Top 8 seeds at 9-3 overall/vs. the FCS with three currently-ranked wins, one Top 10 win, and the No. 18 SOS. The Griz would likely be in the 6-8 seed range.

NDSU should secure the No. 1 seed with a win and a Montana State loss. The Bison would be 11-1 overall, 11-0 vs. the FCS, five currently-ranked wins, two Top 10 wins, and the No. 1 SOS.

Seeds 2-4 then get very interesting in this scenario. The committee would have to sort through these teams to seed behind NDSU (assuming SDSU and UC Davis win on Saturday):

• UC Davis: 10-2 overall, 10-1 vs. the FCS, 2 currently-ranked wins, 2 Top 10 wins, No. 15 SOS, FCS loss to MSU
• MSU: 11-1 overall, 11 D1 wins, 2 currently-ranked wins, 2 Top 10 wins, FBS win, No. 22 SOS, FCS loss to Montana
• SDSU: 10-2 overall, 9-1 vs. the FCS, 9 D1 wins, 3 currently-ranked wins, 2 Top 10 wins, No. 3 SOS, FCS loss to NDSU

Mercer, Idaho, or UIW could fight for the No. 5 seed after this.

With a loss, USD will be nervously wondering if it’ll get a first-round bye. The Coyotes would finish 8-3 overall with only seven D1 wins and zero currently-ranked victories. How does that stack up to other teams with nine or 10 D1 wins who are fighting for a Top 8 seed? USD’s No. 8 SOS could help its argument, and if it were to lose to NDSU, a close loss would be important for the “eye test” instead of getting blown out.

If Montana & USD Win

Montana should get into the Top 8 seeds at 9-3 overall/vs. the FCS with three currently-ranked wins, one Top 10 win, and the No. 18 SOS. The Griz would likely be in the 6-8 seed range.

Seeds 1-5 would be an absolute battle in this scenario. The committee would have to sort through these teams to seed the Top 5 (assuming SDSU and UC Davis win on Saturday):

• UC Davis: 10-2 overall, 10-1 vs. the FCS, 2 currently-ranked wins, 2 Top 10 wins, No. 15 SOS, FCS loss to MSU
• MSU: 11-1 overall, 11 D1 wins, 2 currently-ranked wins, 2 Top 10 wins, FBS win, No. 22 SOS, FCS loss to Montana
• SDSU: 10-2 overall, 9-1 vs. the FCS, 9 D1 wins, 3 currently-ranked wins, 2 Top 10 wins, No. 3 SOS, FCS loss to NDSU
• NDSU: 10-2 overall, 10-1 vs. the FCS, 4 currently-ranked wins, 1 Top 10 win, No. 1 SOS, FCS loss to USD
• USD: 9-2 overall, 8-1 vs. the FCS, 8 D1 wins, 1 currently-ranked win, 1 Top 10 win, No. 8 SOS, FCS loss to SDSU

Uffda. Good luck!

Montana Brown showed off her blossoming baby bump in a series of vacation snaps on Thursday. 

The former Love Island star, 29, who is expecting her second child with fiancé Mark O’Connor, displayed her growing bump in a stylish green bikini which consisted of a triangle bikini top and a pair of tie-side bikini bottoms. 

Cradling her bump, the TV star further accessorised her pool-side look with a pair of cool shades. 

The mother-of-one captioned the gorgeous snaps with: ‘Not long Babygirl (heart emoji)’

Fans and close friends of the star then flocked to the comment section to pay their compliments. 

One fan wrote: ‘A real life angel!!!’; ‘Gorgeous glowing mama’; ‘Feels like yesterday baby Jude was in there!!’

The former Love Island star, 29, is expecting her second child with fiancé Mark O’Connor

Montana announced she was pregnant with her second child in July and took to her Instagram to share the happy news with her 1.1 million followers. 

She displayed her tummy in a chic knit dress and cradled her stomach as she smiled for the camera in the clip. 

Confirming that she is expecting again with her rugby player fiancé Mark, Montana wrote: ‘Two under two let’s go!’

Montana and Mark welcomed their first child, a son named Jude, in June last year and announced they were expecting again just 13 months later.

The couple travelled to Santorini after they enjoyed a week-long holiday with their son Jude in Montenegro and shared updates from their sun-soaked trip. 

The reality personality was flooded with congratulatory messages from her famous friends and Instagram followers.

Gabby Allen, who appeared on her series of Love Island, wrote: ‘Omgggg.’

While fellow Love Island alum, Tasha Ghouri said: ‘Ahh!! Congratulations!’

The mother-of-one captioned the gorgeous snaps with: ‘Not long Babygirl (heart emoji)’

Samira Mighty penned: ‘Ahhhh.’

Food influencer Emily English posted a series of clapping hands while Tiffany Watson and Natalya Wright both said ‘congratulations’.

Other stars who shared their support included Vicky Pattison, Danielle Lloyd, Grace Beverley, Kendall Rae Knight and Elle Brown.

Earlier this year, Montana celebrated the joys and sorrows of motherhood as she paid tribute to her baby son Jude in a heartfelt Instagram post.

Montana reflected on her pregnancy journey seven months after her little one was born – as she shared her emotional thoughts with her followers.

She detailed the highs and lows of the ‘humbling’ experience, admitting she was always ‘one comment away from having a meltdown’ but it also made her ‘respect her body so much more’.

Sharing a throwback picture of when she was seven months pregnant, she showed off her baby bump in a red bikini.

Montana was seen posing on a lavish terrace while soaking up the sun, adding a stylish straw hat and chic shades.

Montana announced she was pregnant with her second child in July and took to her Instagram to share the happy news with her 1.1 million followers 

Montana and Mark welcomed their first child, a son named Jude, in June last year and announced they were expecting again just 13 months later 

In the second shot, she displayed her growing baby bump in the same beach set while smiling happily in a mirror selfie.

The TV star added a few heart-melting pictures of little Jude to her carousel, accompanied by a lengthy caption: ‘7 months in vs 7 months out.’

‘I actually LOVED being pregnant, it was such a special experience and it really made me respect my body so much more I’m still in awe.’

‘This chapter has been hard, the lack of sleep etc is so tough, I legit cried when someone beeped me in the car recently and I always feel one beep or one comment away from having a meltdown but it’s such a humbling experience.’

She went on saying: ‘I am in awe of the mums that do it on their own, don’t have family around to support and who just don’t get a break because I am so fortunate to have support around me and I am STILL in the thick of it..’

The Love Islander finished gushing over her tiny one: ‘But despite how tired I have been, Jude gets me through, his smile first thing in the morning is just priceless.’

HELENA — It is open enrollment for health insurance through the HealthCare.gov Marketplace.

People can apply or reapply for coverage until January 15, 2025, or they may have to wait until November 2025 to apply again.

Last year, 30 percent of Montanans got a plan for $10 per month through the marketplace.

Cover Montana is a project of the Montana Primary Care Association, a nonprofit organization with a federal grant to help underserved communities, consumers, and small businesses find and enroll in quality, affordable health coverage through HealthCare.gov, the Health Insurance Marketplace.

Olivia Riutta, the director of population health of the Montana Primary Care Association shared the importance of open enrollment for Montanans.

“It is the annual opportunity to update your applications and make sure your income is correct and then to ensure that you have a plan that really meets both your monthly budget and your health needs for 2025,” Riutta says.

Cover Montana Navigators can provide phone and virtual assistance statewide through the Cover Montana Help Line: (406) 634-3105 or (844) 682-6837. In-person enrollment assistance is available in many areas, including Billings, Bozeman, Helena, Missoula, Dillon, Kalispell, and Miles City.