Penn State's 30-24 double-overtime loss to Oregon ended its perfect season and exposed familiar problems in crucial moments.

There is plenty of blame to go around for the loss, but the latest defeat in a big game falls primarily on the shoulders of the two leaders in the program.

Head coach James Franklin

Head coach James Franklin shoulders the biggest blame for Penn State's defeat. His team managed just 189 yards through three quarters and failed to deliver a good result when it mattered the most. Franklin's record against top competition tells the complete story. He's now 4-21 against AP top-10 opponents at Penn State, including just 1-18 against top-10 Big Ten teams.

The loss followed a predictable pattern under Franklin. Penn State trailed 10-3 entering the fourth quarter before

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