This is episode 20 of the 4th and 20 and the guys welcome a guest into the studio; Ramsey Gross! The playoff are here and we are here for it! First we predict the winners for the wild card round and then address some news including teams that are on the hunt for a new head coach. For 3rd and goal we each pick a team that did not make the playoffs to break down why it went wrong and what can be fixed for next year. And finally, Clay brings us a steaming hot tub hot take that is actually more warm that hot......

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