Injuries and close decisions that didn't go their way ruined the Colts' season. But Indy is a well-coached solid team that almost always can be counted on to provide a strong effort under Frank Reich. The Colts are committed to finishing their year strong in an effort to reach .500.
Not so with the rudderless Panthers. They are set adrift with Ron Rivera gone after nine seasons and playing the worst run defense in the league allowing an average of 6.3 yards per rush during their last three games. Carolina has surrendered at least three touchdowns in 10 consecutive games. That's the longest streak in the NFL. 
But what clinches this fade on the Panthers is Carolina's decision to start rookie Will Grier at QB. Grier was brutal during preseason with a 2-to-4 touchdown-to-interception ratio and taking seven sacks. He couldn't beat out Kyle Allen to back up Cam Newton and then couldn't replace Allen as Allen kept getting worse and worse. Now the Panthers are in what-the-heck mode turning to Grier for this road start. I would be highly surprised if this turned out to be a positive experience for him and Carolina.