SAN FRANCISCO -- A few thoughts on the San Francisco 49ers' 27-7 loss to the Indianapolis Colts:What it means: It's nervous time in San Francisco. The 49ers are 1-2 and under .500 for the first time in the Jim Harbaugh era. The 49ers, who lost to a Colts team that was playing without six starters, are now two games behind rival Seattle in the NFC West. The 49ers looked awful on offense on a day Andrew Luck beat his former college coach. With poor offensive play, injuries mounting and the Aldon Smith off-field issues, the 49ers are nearing the crisis stage.