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If they had a decent coach they'd be 7-3. If they had a top 5 coach they'd be 8-2 at least. They were unprepared and lost badly to the Giants and Broncos. Other than those two games they should have won all the rest and even a mediocre coach would have them no worse than 6-4 right now. It took some hilariously bad decisions to lose some of those games.

Rivera is unbelievably bad at late game decisions and tactics. I'll grant that the team is not very talented offensively besides Newton and an aging Steve Smith and Rivera may in fact be a good coach for practice and preparing for a game. This year and last year they have led in almost every game in the second half so at least Rivera gets them to compete but time and again Rivera just personally blows the game at the end with idiotic, gutless decisions.
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