Browns: Lose in AFC Champ to KC.
Ravens: Miss playoffs.
Steelers: Miss playoffs and the search for the future QB goes into full effect.
Bengals: Win one division game (vs the steelers) and struggle to get to the 4 win mark.
Sounds like you can make some easy money then. SB odds depends where you look. I was on a site today where the Browns were 30-1 and Steelers 20-1. Another had them both 20-1. Dawgsbynature (homers I assume) has Browns 25-1 Steelers 22-1