re: I still don't see how anyone can blame refs

Holding can be called on every play but is generally only called when it is blatant and or directly affects the play. The holding Scarborouh dos on the Hurts TD met both criteria. That cost us 4 net points
The late hit on Etling after he slid cost us q continuation of a drive and at least 3.
The offsetting personal fouls were the difference in at least 3. (I still can't find what 65 did to warrant a flag on us)
The late hit that was granted against us maintained a drive for them
The intentional grounding call that took us out of FG range cost us 3.