I see this as a clear kill spot for the Panthers and I want to lock in now before the number hits 14 - which it will and then probably still go higher.

The Panthers hold edges in all areas against the 49ers. Not just minor edges either. The Panthers have all-pros at many positions. The 49ers have below average starters at many positions.

The 49ers' problems are made more difficult by the scheduling dynamics. The Panthers have had nearly 1 1/2 weeks to sit around stewing about blowing a lead to the Broncos in the opening Thursday night game. Cam Newton is going to have a much easier time against the 49ers defense.

The 49ers are fat and happy after whipping the Rams at home this past Monday night. Now they have to make a cross-country journey on a short week. Carolina is 19-7-1 in its last 27 home games.