CHARLOTTE, N.C. (AP) - Matt Ryan twice seemed poised to lead Atlanta on the winning drive.
First, his kicker let him down.
Then his sophomore troubles popped up again.
Ryan's late interception ended the Falcons' hopes Sunday as the Carolina Panthers held on for a 28-19 win.
Jake Delhomme went turnover-free for the third straight game, finding Steve Smith for two touchdowns as the Panthers (4-5) built a 21-10 halftime lead. But the win wasn't sealed until Richard Marshall picked off Ryan, setting up Jonathan Stewart's 45-yard touchdown run with 2:07 left.
Earlier, Jason Elam missed a 34-yard field goal that would have given Atlanta (5-4) the lead.
The Falcons lost Michael Turner to a sprained right ankle in the second quarter after he had rushed for 111 yards.