SANTA CLARA, Calif. – If they lose Sunday at New Orleans, the question as the playoffs approach will be: Can the San Francisco 49ers beat a quality team?In fact, there are already whispers about it.After losing to Carolina last weekend, the 49ers are 2-3 against teams with winning records. They are 4-0 against teams with losing records. The 49ers are averaging 35.5 points a game against teams with losing records. Against the winners, that average falls to 17 points.