Licking my wounds … not sure which gashes were inflicted by our just-completed home loan refinancing process or which were the result of the 49ers loss Sunday. Both were unnecessarily tortuous. The 49ers should have and could have overcome the bad calls and won the game, but I agree with our Gilroy brethren, former 49er QB Jeff Garcia, who said in a radio interview that the final play fade route throw from Colin Kaepernick to wide receiver Michael Crabtree, which resulted in an interception, was the wrong call for a number of reasons. The throw would have had to have been perfect, said Garcia. Yep, not the smart call or the percentage play, and I appreciate Garcia telling it like it is. He, after all, learned from the best. His father, Bobby, still calls them like he sees them.