CHARLOTTE — As a young Panthers team has grown and matured over the season, they're learning how to react and respond to new experiences.

So as much as the locker room was filled with disappointment about the 20-9 loss at San Francisco, there was also a certain resolve among the participants who have been through worse things.

"I mean, I feel like we're a great team, we're building something special here, but we just missed on a lot of opportunities today we had chances to make plays early, make plays late. We've just got to be able to capitalize," running back Chuba Hubbard said. "I don't think the moment was too big for us. I think we're exactly where we need to be, but we've just got to win in these types of games, in those types of moments, we've got to capitalize and be the best v

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