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What we learned: They robbed fans of an all-time ending. Justin Herbert and the Chargers' offense took over at their own 1 with 1:46 left, down 21-16. They drove all the way to the Carolina 28 with six seconds left and had a terrific call set up. Herbert found Keenan Allen at the 14. He pitched it to Austin Ekeler on the hook and ladder, but the toss was slightly behind Ekeler and fell to the ground. Had it been on point, CBS replays showed that Ekeler would have run in for the walk-off touchdown. In the end, the Chargers made too many mistakes to win. They had three first-half turnovers. They jumped offsides on a field-goal attempt to give Carolina a first down, and the Panthers ended up scoring a touchdown. They gave Carolina another first down because of a pre-snap penalty. Having said that, Herbert was really impressive for the second straight week.

Justin Herbert did some good things in his first start, but that was a bad home loss to the Panthers. Tyrod Taylor should be back this week.

Wholly unfair as it might be for QB Tyrod Taylor personally, it just makes no sense from a team perspective to pull promising rookie Justin Herbert from the lineup at this point.

What we got wrong: The Chargers would cause more turnovers this season.

The Chargers are struggling with turnovers -- both in causing and not committing them -- again. Last year, they had 14 takeaways (worst in the league) and 31 giveaways (fourth worst in the league) to result in an NFL-worst minus-17 turnover differential. After forcing two turnovers in a season-opening victory, the Chargers haven't had a takeaway in the past two games. They've committed five turnovers, including four to Carolina this past Sunday. -- Shelley Smith

If Keenan Allen and Austin Ekeler connect on an uncontested lateral toss, Ekeler sprints into the end zone for a miracle walk-off touchdown, and the Chargers are the talk of the league. But, in true Chargers fashion, the ball instead hit the carpet, and the Bolts were saddled with a 21-16 loss to the previously winless Panthers. The game featured growing pains for rookie QB Justin Herbert, who threw a touchdown pass in another 300-yard performance but also had an interception and lost fumble. With Tyrod Taylor reportedly expected to remain sidelined, it will be Herbert playing opposite a man literally twice his age in Tom Brady. A formidable Bucs defense will pose a serious challenge for the rookie.