"I just think we need a little more focus, realize it's a long ballgame," Luck said. "We've got great veterans in this locker room. I think we've got great football players. We realize we can't survive our mistakes every week. We realize we can't make as many mistakes, especially in the second half. Maybe that is a bit of lack of focus, or whatever it is, I don't think I can put my finger on it. But it's something we'll focus on and hopefully improve upon."
Luck took much of the blame upon his own shoulders in the immediate aftermath of Sunday's game, saying he was attempting to force big plays downfield in the second half instead of taking what the defense was giving him.
But there was plenty of blame to go around.
And some it even extended into the first two quarters.
The Colts failed to score on their opening drive despite reaching the Dolphins' 34-yard line. Pagano elected to kick a field goal on fourth-and-1, and Adam Vinatieri clanged the 52-yard attempt off the left upright.
On the next possession, Indianapolis advanced to Miami's 12-yard line but had to settle for a 30-yard field goal.
The Colts started the third quarter with what appeared to be a 15-yard touchdown pass from Luck to tight end Coby Fleener, but the score was called back on an illegal shift penalty.
Luck later threw an interception into the end zone on first down from the Dolphins' 34-yard line with 8:20 remaining in the fourth quarter, and he was sacked on fourth-and-10 from Miami's 23-yard line on the Colts' final possession of the game.
"We left a lot of points on the field," Pagano said. "Again, (the Dolphins) made the plays when they had to, and we didn't."