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Destiny calling

Image: Ruud, Jamie and Graeme: our top experts are in Munich

Jamie, Graeme and Ruud tell us where the Champions League Final will be won and lost.

Jamie, Graeme and Ruud answer the all-important questions...

Chelsea and Bayern Munich will do battle on Saturday evening in this year's Champions League Final. Bayern would appear to have a distinct advantage, with the game taking place at their home ground, but Chelsea's magnificent rearguard action to overcome Barcelona shows they will not go down without a fight. Both sides will also be missing a series of key players due to suspension, making it difficult to know who will head into the Allianz Arena showpiece with the strongest hand. Jamie Redknapp, Graeme Souness and Ruud Gullit - who will be in the Sky Sports studio in Munich on Day of Destiny - gave us their thoughts on the match's key issues. The trio looked at the men who could fire their team to glory, how the sides might line-up tactically, and who they expect to lift the revered trophy...

Who would you put down as the favourites here?

JAMIE REDKNAPP: You have to make Bayern Munich slight favourites. They have got home advantage which will be a massive boost; they will be comfortable with the surroundings and know the pitch and the dressing rooms. It will seem like a normal game for them at a ground where their record is exceptional. On the flip side, however, the pressure will be on Bayern. They will feel that expectation, while they will not go in full of confidence after losing the German Cup final 5-2 to Borussia Dortmund. There are elements where you can say Chelsea may have the edge. GRAEME SOUNESS: Bayern Munich looked a really good team against Real Madrid in the semi-finals and were worthy winners, even though they only got through on penalties. I know they have got some important players missing but, by all accounts, they have got a very strong squad. I just think that playing in Bayern's stadium will make it doubly difficult for Chelsea. RUUD GULLIT: Bayern Munich, but Chelsea can win because they showed against Barcelona how good they can be defensively. It suits Chelsea that Bayern are favourites because there will be less pressure on them. Germany manager Joachim Loew has already commented that should Bayern lose it could have a damaging effect on Germany's chances at Euro 2012. So Bayern have the pressure of the nation on them as well as themselves and their supporters.

Which of Chelsea's suspended players - John Terry, Branislav Ivanovic, Ramires and Raul Meireles - will they miss the most?

JAMIE: I think the man they could miss the most is Ramires, who has become a big player of late, their running man if you like. Whoever plays in the wide areas will have to come back and help the full-backs, as Bayern's wide-men, Franck Ribery and Arjen Robben, are very dangerous and can isolate you. Chelsea's wingers will have to do a job defensively and that is where they will miss Ramires, who is always full of energy. He did that job really well against Benfica and Barcelona, plus, he chipped in with that great goal at the Nou Camp. GRAEME: John Terry. He will be an enormous miss for them; he is a leader in every sense of the word and the man they look to bail them out of trouble. I agree with Jamie that Ramires will be hard to replace because he is a lot more defensive-minded in the wider areas than whoever will play there on Saturday night, whether that be Daniel Sturridge, Salomon Kalou or Florent Malouda. But Terry is their captain and their best defender by country mile. Bayern will be delighted he is suspended. RUUD: Everybody will be a big miss because the team is more important than any one player. Everyone contributes to the team and has their set role and things that they do. Chelsea, and Bayern, of course, will have to change that dynamic now and that is not easy. The centre of defence is probably the most important area so Chelsea will be damaged by John Terry not being there but Gary Cahill and David Luiz are back, so that is good. Raul Meireles will be a big loss, though, because he does a job going up and down and makes some crucial runs.

Who should Chelsea select in central midfield and in the wide areas?

JAMIE: Frank Lampard and Jon Obi Mikel will play in midfield and I think Michael Essien will take the third central spot because of his experience. But Roberto Di Matteo might play Juan Mata behind Didier Drogba because then he will be more involved in the game and can pick passes and play neat one-twos. Salomon Kalou will probably play in the wide areas because of his work rate, with Mata, or if the Spaniard does play centrally, Florent Malouda. GRAEME: Ramires and Raul Meireles' suspensions will force Di Matteo to tinker but I would suggest it is a given that Frank Lampard and Jon Obi Mikel play. The latter will anchor the midfield and try to look after the likes Toni Kroos, Bastian Schweinsteiger and Thomas Muller, while Lampard will look to make his trademark late runs into the box and come on to things. That will be crucial for Chelsea, as will Lampard threading passes through, like he did for Ramires against Barcelona. RUUD: I don't want to predict the side that Robbie (Di Matteo) will pick because we don't know what he will do, but I back him to make the right decisions in terms of team selection. I like Daniel Sturridge in the wide areas because he is great at attacking, but the reason he has not been playing is because he lacks a little bit defensively. If he plays and does well going backwards and off the ball, he could be a big threat to Bayern on the night.

Where can Chelsea hurt Bayern?

JAMIE: I think Bayern will be affected by their suspensions quite a lot; I like the defensive midfielder, Luiz Gustavo, and the left-back, David Alaba, while Holger Badstuber is a good centre-half. Badstuber's absence means Munich may have to have to play Anatoliy Tymoshchuk, who is a central-midfield player by trade and not the biggest, up against Drogba. I think Chelsea will play quite direct at times and utilise Drogba's pace and aggression and try to get the best out of him. The Bayern defenders will struggle to cope with his power. GRAEME: I think that if Chelsea make a brisk start, they can put the seeds of doubt in Bayern's head, who think they have this competition won. I played Bayern in the semi-final of the European Cup in 1981 with Liverpool and we drew 0-0 in the first leg at Anfield. Before the return game in Munich, there was a roadmap on every seat explaining the quickest route to France for the final. They were extremely confident but we drew 1-1 on the night and went through. Hopefully Bayern have the same overconfidence this time around and Chelsea can capitalise on that. RUUD: Didier Drogba will be key, not only using his power to get the better of Bayern's defenders but also holding the ball up and bringing Chelsea's midfielders into play. He will also be a target for the crosses from the wide players and the full-backs, Ashley Cole and Jose Bosingwa, but if he can make the ball stick, Chelsea can go forward with purpose.

Can Chelsea's back four keep Bayern's attackers at bay?

JAMIE: David Luiz does have mistakes in him and it seems sometimes like he gets bored and doesn't enjoy doing the dirty work, but he has really improved. Gary Cahill, meanwhile, has come into his own since joining Chelsea, even though I always knew he was a good player. They have, however, both missed a lot of football of late and it is still a risk to play two players with hamstring strains. If you're not 100 per cent it can tear again and Chelsea would have to readjust the back four. They did that brilliantly against Barcelona when Terry was sent off, but it is not something that you want to do. GRAEME: I wouldn't have thought so, but with the way Chelsea defended against Barcelona, I am not going to write them off completely. The way they restricted Barcelona to three goals over two legs of the semi-final when the Spanish team had so many shots and a lorry-load of possession defied logic. Especially with Terry out, I cannot see Chelsea keeping a clean sheet. I expect Bayern to have all the ball; Chelsea will be on the back foot and will have to rely on counter-attacking as they cannot take Bayern on in an open game, but they have proved that they can dig out a result. RUUD:That is the challenge because Bayern are very good up front. Chelsea are going to have to be very disciplined, as they were against Barcelona, and if they do that they can then take a foothold in the game and go forward. Chelsea will play like they did against Barcelona, soak up the pressure and look to hit Bayern on the break. They are not the quickest side in the world but they have just enough pace with people like Salomon Kalou, Florent Malouda, Sturridge, and possibly Fernando Torres coming on as a substitute, but they will need to be fed by Drogba.

Who are Bayern's danger men?

JAMIE: I like Kroos, who will probably play in central midfield with Schweinsteiger, but my fear for Chelsea is the front three of Bayern. Pedro, Lionel Messi and David Villa were excellent for Barcelona against Man United in last year's final, and Ribery, Robben and Mario Gomez could be big factors this time around; the former are both excellent wide-men. GRAEME: People are pinpointing Gomez, Robben and Ribery as major factors and of course they will be, but I think Thomas Muller could be a big threat to Chelsea. He will probably hover off of Gomez throughout the match and find pockets of space, and we saw how effective he can be when he gave England the run-around during the World Cup over in South Africa. RUUD: Schweinsteiger is a very important player. He was more of a right-sided midfield player but has become an excellent mix of defensive anchorman and playmaker. He is a very good player and I like him very much. Their full-back and captain, Philipp Lahm, too, goes up and down and is not afraid to get forward against the best teams. He is another excellent player.

Should Roberto Di Matteo get the permanent Chelsea job whether they win or not?

JAMIE: When Chelsea sacked Andre Villas-Boas, they would have made all the top managers aware that they were on the lookout for a big name in the summer - but Di Matteo has performed a miracle. The job he has done with a squad that was in disarray, had cliques everywhere, and no team spirit has been brilliant. They looked like they were petering out, but he has won them the FA Cup and got them to the Champions League Final. Chelsea will now be thinking:' Wow, what do we do now?' Unless they can get somebody who will bring guaranteed success - Pep Guardiola, Jose Mourinho - I would keep Di Matteo, but I'm convinced they have already got someone in place. GRAEME: The owner might have his eyes on a big name but I think they have got the perfect man already. Whatever happens on Saturday night, Chelsea will still have the same problem that they had last season and the start of this: their squad is aging and it needs a major overhaul. Di Matteo seems like a popular figure and that will make it easier for him to make the necessary changes. RUUD: Hopefully Robbie will get the permanent manager's job. He has built from the back, reorganised the team and for that reason they have played so well. He is a Chelsea boy and knows what is expected at that club and how the atmosphere has to be. He, and his assistant Eddie Newton, have got that back and the confidence has grown. He has got the older guys playing and back in form, restored their pride and made them feel that they are still important - and they have repaid him.

Who will win?

JAMIE: It is vital that Chelsea start well, don't concede early and believe that they can win. Against Barcelona people were putting their bodies on the line like their lives depended on it. Di Matteo has got everybody playing for each other and that will give Chelsea a real chance. But I just think that with home advantage and that dangerous front three, Bayern will edge it 2-1. GRAEME: If this was being played on a neutral ground Bayern Munich would still be favourites. But Chelsea have a chance if they enjoy the occasion, don't let it pass them by and play their natural game. That is very difficult to do, but I think Chelsea have the personalities to achieve it - even though their biggest personality, Terry, will be sat in the stands. Chelsea have a mountain to climb - but they have already climbed one by knocking out Barcelona and, if Petr Cech and Didier Drogba put in ridiculously good performances, they could do it again. I don't see it but it is possible. RUUD: I really want Chelsea to win and to do that they will need to put in a very solid team performance, remain very compact and take one or two of the few chances that come their way. I really hope they do it and if they do, it will probably be the greatest achievement in the club's history.

Saturday is Day of Destiny on Sky Sports, featuring over 48 hours of live sport in one day, including the UEFA Champions League Final, live on Sky Sports 1 HD and in Sky 3D from 6pm. Jamie and Graeme will be joined by Jeff Stelling and Gary Neville for the Champions League Final preview show from 6pm on Sky Sports 2 HD