I, for one, feel the tone was set when we couldn't punch the ball in the end zone on the first drive, then missed a FG from extra point distance. I don't care whose fault it was, it set the tone. This team will get there, but they are not yet emotionally tough enough to overcome let-downs like that.
We didn't recover any of their 200 fumbles. They seemed to land on each one of them. This is sometimes just destiny, luck or what have you, not a lack of hussle. A couple of those balls land in our hands and the game is potentially much different (even though Taylor being off-sides on the first play would have negated a fumble recovery, you get the point).
Also, allowing Pennington to complete deep passes which resembled shanked punts is unforgiveable. I was embarassed for our DB's. How Howard even made this roster is a complete mystery to me. Every time they made a big play on 3rd and long it was because of him.
In summary, I think our inability to get anything out of a masterful first drive, our lack of being opportune on fumbles and horrible DB play, Howard in particular, are the 3 key reasons we didn't win this game by 10.