Charley Hull dumps out SI swimsuit content from a boat, NFL player whiffs & college football's growing problem

'Nightcaps' is a daily column that catches you up on the biggest sports, news and culture stories you may have missed while pretending to do work at your desk. It runs Monday-Friday on OutKick.com.

How we doing, folks? Let's start this week — and this month — with a quick pulse check.

Halloween is behind us. October is, sadly, behind us. We fell back yesterday morning. We're now less than 24 hours out from the midterms.

Down here in Florida, it literally has not stopped raining since Saturday night. I've lived through dozens of hurricanes and millions of summer storms in my 30 years in the Sunshine State, and I've never seen anything quite like this.

Just constant rain. Every road is flooded. My yard and the lake behind me are indistinguishable at this point. I have to use four-wheel drive to get down my dirt road, and even then, it's dicey.

As for tomorrow's election ...

So far today — and it's noon at the time of this writing — I've received 14 different texts and three calls. Some folks think Florida is turning blue. Others think we'll have this thing wrapped up by dinnertime.

My official prediction, as OutKick's unofficial Florida guy: We'll stay red, but it won't be the landslide we've grown accustomed to. On a concerned scale of 1-10, I'm around a 4.6 right now.

I was 0 in 2024, and 2 in 2022 for reference.

Anyway, let's talk sports for a bit and leave all that other nonsense behind.

Welcome to a Monday Nightcaps — the one where LPGA star Charley Hull starts Thanksgiving month on a boat in Ibiza. What a life!

SPORTS ILLUSTRATED ADDS CHARLEY HULL TO ITS SWIMSUIT ROSTER, NASCAR'S NOSEDIVE & DO WE HAVE ANTHEM FATIGUE?

What else? I've got the worst sack attempt you'll ever see out of Miami yesterday, a very clear attendance problem brewing in college football and wait till you see the ... reception ... the WNBA champs got in Golden State last night.

I know I know — I said Friday I was done talking about anything non-Sophie Cunningham in the WNBA, but this is incredible. It's worth breaking the rule.

Trust me.

OK, grab you a sandwich for tomorrow's National Sandwich Day, and settle in for a Monday 'Cap!

Here's some free advice ... don't overlook Panera in the sandwich game. That's right.

Panera.

PANERA BREAD GRABS TOP HONORS FOR AMERICA'S HIGHEST-RATED FAST-FOOD BREAKFAST ITEM

After two days of rain, I needed to get out of the house today. I couldn't take it anymore. So, I hopped in my boat and drove down the street to the Panera to work. I come here once in a while, mainly because the WiFi is better than most and I can get a cup of coffee for $2.

Anyway, I've dabbled in lunch a few times over the past few months, and I gotta say — Panera sandwiches are top shelf. People like to give Panera crap for being too pricey or too corporate, and I usually agree with that crowd. But not here. They have a new French Ciabatta Dipper out right now that'll blow your mind.

Not an ad, by the way (although I wouldn't mind if it was). Just figured I'd he