CHARLOTTE, NC - DECEMBER 08: Jeff Garcia #7 of the Tampa Bay Buccaneers fumbles the ball on a hit by Julius Peppers #90 of the Carolina Panthers at Bank of America Stadium on December 8, 2008 in Charlotte, North Carolina. (Photo by Streeter Lecka/Getty Images)

CHARLOTTE, NC - DECEMBER 08:  Jeff Garcia #7 of the Tampa Bay Buccaneers fumbles the ball on a hit by Julius Peppers #90 of the Carolina Panthers at Bank of America Stadium on December 8, 2008 in Charlotte, North Carolina.  (Photo by Streeter Lecka/Getty Images)