I don't know how many times this has to be posted, I did meet you there...you bailed because you "have to mull this over w [your] stat buddy"
been waiting on your results ever since.
So to clarify the bet since you are obviously Special person:
If Cutler were to finish in top 10 in passer rating (not QBR) I would be banned from CCS from the end of the regular season until the first preseason game.
If Cutler finishes 11-12 in passer rating and has a TD:Int ratio of 2:1 or better that I receive the ban as stated above.
If Cutler finishes 11-12 in passer rating but fails to achieve TD:Int ratio of 2:1 that it is a push
If Cutler finishes outside of the top 12 you receive the ban stated above.
I fail to see how this isn't meeting in the middle, if cutler is above average to elite in your eyes than this should be a no brainer for you.