The only quarterback in playoff contention with a sub 90 QB rating on the year is Carson Palmer, and he's a guy who has had multiple years of throwing for more than 4000 yards, so his down year statistically is mostly an anomaly.
The only team with an elite quarterback who is NOT currently in playoff contention is the Texans with Matt Schaub, and they're basically a few choked games away from being a playoff team.
You're only as good as your quarterback in this league, and as long as Alex Smith is here, we're a team that's not good enough to make the playoffs.
Even with the 2000 Ravens defense, Alex Smith would not succeed.
[ Edited by crzy on Dec 27, 2009 at 8:14 PM ]