You're not giving the Panthers' D enough credit. Did you see Ricky Manning's interception of Torry Holt?! How about Julius Peppers (even though he went to Ewe-NC) breaking up some key pass plays? All we heard last week (especially from Cowboys fans) is that Carolina has no way of stopping the Greatest Show on Turf, with all of St. Louis' offensive weapons and the fact that they were in a dome. The crowd was shocked, as they probably expected the Rams to roll considering they hadn't lost a game at home this year.
Maybe the game shouldn't have even been that close! Stephen Davis would have been in for a TD if he hadn't strained his quad, and he definitely would have been a factor in the rest of the game had he not been injured. St Louis couldn't stop him running in the first quarter. Even if Martz had tried for a TD, it doesn't necessarily mean that they would have gotten in. If I recall, St. Louis didn't have much success getting into the endzone for their first three attempts.
I give lots of credit for the Panthers to go into St. Louis and not crack under the pressure, crowd noise, etc. St. Louis was hyped all week, and as a sportswriter today said: "St. Louis was the Porsche 911, and the Panthers were the family van." Too bad the Porsche 911 had the equivalent of a little old lady behind the wheel, sitting on a seat cushion to peer over the steering wheel.