It was over when ...
Trent Dilfer's short pass over the middle was intercepted by cornerback Chris Gamble just before the two-minute warning, giving the Panthers their fourth pick of the day and sealing their first home win in eight games going back to last season.
In addition to the four picks, the Carolina defense sacked Dilfer six times, after coming into the game with just 10 sacks on the year. The defense held the 49ers to 195 total yards (59 on the ground).
The Panthers held onto the ball for 38:22, while the Niners had it for only 21:38. San Francisco was only 3 of 11 on third-down conversions and committed six turnovers.