(1) A horrific roughing the passer call in Tampa Bay.
(2) A bad defense (something Bengals fans are all too used to). 42 points to San Diego in the 2nd half... no NFL defense should be that bad (L.T. or not).
(3) A bad snap on an extra point.
(4) A missed 39-yd. FG on their last offensive play of the season.
Trouble-makers are not good things. But a trouble-maker off the field (getting arrested) is different than a trouble-maker in the lockerroom (T.O. or Carl Pickens) relative to the team's psyche. Execution killed the Bengals playoff chances, not trouble-makers. Oh, and one terrible call by a referee named Mike Carey.