Carolina just had a great opportunity to tie this game at 20-all. On fourth-and-9 from the San Francisco 16, John Fox disdained the field goal and went for it all.
Matt Moore stepped up and threw a beautiful ball in tight coverage to rookie wide receiver David Gettis -- who dropped it in the end zone.
That really messed up what has easily been Gettis' best game. Gettis has six catches for 98 yards, has already scored Carolina's lone TD and set up the Panthers in the red zone with a 39-yard catch on the same drive.
Still, that one really hurt.