While all three Dakotas schools that reached the FCS semifinals last season have taken some hits by players entering the transfer portal since it opened last Wednesday, South Dakota has suffered the most, with five All-Conference players leaving in that time. 

How and why? How the recent House settlement that creates a "clearinghouse" led to even more of a "gold rush" for football players.

How much will the settlement reign things in to keep FCS players at their school? 

Which of the three Dakotas title contenders — NDSU, SDSU and USD — has the most stocked NIL collective right now? 

Why is this "one-and-done" situation for All-Conference players not as dire as it seems?

And who are the early top two contenders for the 2025 national title?

Sam Herder covers FCS football nationally for HERO Sports and answers it all.