You are correct that the players screwed up at critical times. But I can't give a pass to the Offensive side of coaching. The OL was horrible. We had the worst rushing season in the team history. Our RBs each had something like 2TDs each, while CJ Anderson has multiple games with 3TDs each. There was very little imaginative play calling. The QB position definitely did not help, but at least was stable unlike last year. The coaching staff on the O-side has definitely regressed.