NEW ORLEANS -- A review of four hot issues from the San Francisco 49ers' 23-20 loss at New Orleans:Costly penalties: The 49ers made two colossal penalties in the final few minutes that turned a 20-17 lead into a loss. First, there was some controversy. The 49ers appeared to get the ball on a turnover with about 3 minutes to go. But linebacker Ahmad Brooks was called for a personal foul for a hit to Drew Brees' neck that gave the Saints new life.