Guaranteed.

Jay Cutler is flawed and a whiner, but he is a young, top-tier NFL QB, which makes him a rare commodity. The Bears will play defense and Cutler will lead an offensive that does enough, maybe because of him, maybe in spite of him.

The Panthers? Still have serious holes to fill for next year and must do it without a #1 and with the Peppers soap opera in full swing. And against a brutal sked.

6-10, all the way.