first of all, NAIA is fully equivalent to D2, this is well known and documented with win/loss stats. This past Dec. they played the first ever d2vs naia all star game and it came down to the last minute with d2 making a 2pt conversion to win. D3, now thats the different planet you are referring to, they really are at a glorified high school level and should never be mentioned in the play up or down threads. As for the Carroll-PSU game, if Carroll were to win that or any other naia/fcs match up, it is because the naia team that beats the fcs team has enough talent overflow on their team to compete. It happens dude, just not that often.