CHARLOTTE – It's the question so many Colts enthusiasts have asked in 2015.
On Monday night, the whole nation was also left wondering the same thing.
Why is Andrew Luck struggling to put together consistent, 60-minute performances in his fourth NFL season?
What is eating at Luck the most are the turnovers.
They once again told much of the story on Monday night.
Three Luck interceptions were turned into three Carolina scores, including the game-winning field goal in the Colts 29-26, overtime loss in Charlotte.
"It's my problem and it is hurting the team," a dejected Luck said of his turnovers after the Colts third straight loss.
"I've got to fix it or else it's tough to win…Disappointed in myself."
When Luck took the field early in the fourth quarter on Monday, the Colts were down 23-6 and the three-time Pro Bowl quarterback hadn't reached 50 passing yards for the entire game.
At that point, something clicked for Luck and the Colts offense.
An up-tempo attack saw Luck complete 18 of his final 31 passes, for 191 yards two touchdowns and that final interception.
Luck could not put his finger on exactly what changed in his own individual game down the stretch on Monday.
"It's hard to find perspective right now. We lost. That's what matters." Luck said.
"I messed it up in the end by throwing the interception."
It's been a trying fourth NFL season for Luck.
Battling the first significant injury of his career (Pagano and Luck would not comment after the game on the report of Luck playing with broken ribs), Luck has not been able to sustain his typical productivity throughout any four-quarter stretch this season.
In 2015, Luck has thrown 12 interceptions (the most in the NFL) in 257 pass attempts, a ratio of a quarterback that certainly doesn't have the pedigree Luck brought into this season.
The questions about No. 12's play this season are so hard to sift through because he's a player that has wowed more often than not in his first three NFL seasons.
"Andrew is as tough a competitor as I have ever been around," Pagano said after Monday's loss.
"He is going through a stretch right now...we are all going through a stretch right now. We win as a team and we lose as a team. I am not worried about Andrew Luck. Together, we will get this thing fixed."