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21Dog
It wasn't a third or 4th down play. Would have been first and goal at the one.
Needless to expose the ball to a great defender like Thomas there. Killer turnover.
It was a bad reach by Gurley
and a bad call, both.
Gurley shouldn't have done it. But the ref still should have called it out at the half yard line. Even with repeated replays, it was still impossible to be sure if it was fumbled inside or outside the pylon. In that case, you go with the call on the field and tweak it to the extent needed. As in, it was ruled a TD. So you use the replays to say, no. Half yard line.
Fumbled out of the end zone? To me, that's overdoing it, and it may have been the decisive play right there.