What the hell happened? That's the question I was asking myself after my Carolina Panthers got slaughtered 27-3 by the Tampa Bay Buccaneers Sunday at Raymond James Stadium. Jeff Garcia is now my most-hated NFL player. I can't stand the guy; I loathe him with a burning passion. He's the most bona fide Panthers killer there is. He's beaten us in at least three straight games—this past week, last year in Week Four—both times with the Bucs—and in Week 13 of 2006 with the Eagles.  This past Sunday, he helped the Bucs' winning effort by completing 75 percent of his passes and throwing a touchdown. In addition, his third-down-conversion rate was agonizingly high.  As ... (view full text)