By no means am I saying they lost us the game because we would have fumbled again anyway, but I see little difference between the "real" refs and the replacements. That no fumble call on Trent with 2 minutes to go-not to mention the Lions/Texans game-was nearly as bad as anything the replacements called (or didn't). We could have sent it to the booth if we had a TO but should not have to. It was obvious.
I would also propose a rule change. Instead of time outs, 15 yard penalties, automatic first down if you are on defense, and the option of a clock rundown for lost challenges. The purpose of review is to ensure that games are not decided on such bad calls. That should not stop just because you are out of timeouts and it is not the 2 minute warning yet.