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SAN FRANCISCO -- Pick a problem. There are plenty from which to choose.That is what is so worrisome for the San Francisco 49ers as they are under .500 for the first time under coach Jim Harbaugh. Yes, the 49ers are only 1-2 and trail rival Seattle, 3-0, by two games in the NFC West. It is early.Still, the 49ers have real problems. After a deflating 27-7 home loss to the Indianapolis Colts on Sunday, the 49ers are dealing with poor offensive play, mounting injuries and Aldon Smith's off-field issues.