SAN FRANCISCO -- Observed in the locker room after the San Francisco 49ers' 10-9 loss to the Carolina Panthers:Quiet place: This loss hurt the 49ers. The locker room was sedate afterward. They hadn't lost since Sept. 23. They crushed opponents during their five-game win streak. The 49ers knew they had opportunities. Offensively, players were not pleased that they were shut out in the second half. The 49ers scored at least 31 points in every game during their win streak.