(CBS) With the Bears boasting a rookie general manager, respected coaching staff and roster under a rebuild, opinions vary widely on how many games Chicago will win this season.

Bovada set the Bears’ over/under wins total at seven, and the rest of Vegas is in that range. Some optimistic fans — citing a talented offense and coaching staff that seems to know what it’s doing — are talking themselves in to the nine-win range, perhaps more if they’re a bit crazy. Others see a year similar to the disastrous 5-11 campaign of 2014.

Then there’s USA Today. Two-plus months after rating the Bears dead last in their offseason power rankings, USA Today has come out with its predicted finishes for 2015. The publication has the Bears checking in at … wait for it … 3-13.

That would be the worst mark in the NFL, per USA Today’s predictions. The quick take:

“Defense will look almost entirely different in terms of personnel and scheme. They can only hope QB Jay Cutler looks entirely different from 2014 version under new coaching staff.”

USA Today predicts the Bucs, Falcons, Redskins and Titans will check in just ahead of the Bears with a 4-12 mark.

Chicago has a brutal start to its schedule, facing Green Bay, Arizona and Seattle to open the year. It lightens up later, as there are matchups with Oakland, Washington, Tampa Bay and San Francisco, as well as two dates with Minnesota.

Predictions are nothing more than (often silly) guesses, but envisioning a 3-13 is a bucket of cold water on what lies ahead for the Bears.