From Phil Steele - Cal is -5 on his Stock Market Indicator (year over year up or down). 90% of teams with our score he's tracked over the past decade or so have had a worse record the next year
http://www.philsteele.com/Blogs/2016/Aug16/DBAug13.html
http://www.philsteele.com/Blogs/2016/Aug16/DBAug13.html