San Francisco at Carolina

San Francisco is No. 1 defensively in the league allowing 11.5 points per game, plus second in yards allowed. The 49ers are on a 13-3 run UNDER the total, as well as 10-1 UNDER on natural grass. All four of their games this season have gone UNDER, plus they're 15-5-1 UNDER after allowing 90 or fewer rushing yards in the last game. Carolina's defense was strong last season and is #14 in points allowed this year. It's the offense that is terrible behind new QB Baker Mayfield (4 TDs, 3 INTs). The Panthers are last in the NFL in converting third downs (25.5%) and last in total offense eking out 262.3 yards per contest. They have scored 19, 14, and 16 points in the last three games, all UNDER the total. Carolina is 60-39 UNDER at home in the first half of the season. And NFL home teams off an upset loss by 10 or more points as a favorite are 68-27 UNDER the total. Take San Francisco/Carolina UNDER the total.