Colts - 11-5 Could make it as far as a rematch with the Pats, which they will promptly lose again. Next year, they start to decline slightly.
Titans - 10-6 and a wildcard birth IF Mcnair is 100% healthy. If he loses significant time, this could go down as far as 7-9. They will take another step back next year imo.
Jags - 8-8 Up and coming team. Just need some more experience for Leftwich and I'm not sold on their corners. They will compete hard, but this is one tough division. Could suprise and finish ahead of the Titans.
Texans - 7-9 They are one year away from a playoff berth. This year they make some major strides, and are more competitve on both sides of the ball, and less "disguising" by the coaches will need to take place. They will be able to stand toe to toe with most teams talent wise, but cannot afford many injuries. Lack of depth and inexperience will keep the record from being higher. Don't forget, they were 31st on both offense and defense. It takes longer than one offseason to correct those numbers. Next year, I see 9 or 10 wins.