SAN FRANCISCO – A few thoughts on the 49ers' 10-9 home loss to Carolina:What it means: The 49ers' five-game winning streak is over. They now drop to 6-3 and are two-and-half games behind 91 Seattle in the NFC West. The Panthers – who recovered two fumbles in their territory in the final two minutes -- extend their win streak to five games. The 49ers fell to 3-2 at home and it is just the second loss at home under Jim Harbaugh after November 1.