We had many third downs lost because players ran their routes too short or didn't get separation once the ball was caught. Payton called a conservative, yet winnable game. The third down pass caught by Keyshawn....holding Flozell. Penalties and lack of execution cost us. Cortez missed field goal. Williams blowing coverage. Lack of pressure by our D-line rotation in 4th quarter (when they're supposed to be fresh) etc... If you pin this on Payton, you're missing the point.