Navas came up huge twice, while Howard came up small twice. The gap between the two keepers contributed to the outcome. Poor play in net plus a giveaway-prone backline is a brutal combo.
Also, it would be ridiculous to overlook the ref's massive impact on the outcome. Not an excuse, just fact. The man's a paid pro but blew it at huge moments. The right call on the Jozy play in the 24th minute was a penalty and straight red. If the ref does his job, then the US is up 1-0 against only 10 men. Then he compounded the mistake 5 minutes later when he failed to whistle a blatant hand ball by Ruiz, who clearly (in plain view just a few yards away) used his right arm to settle the ball, then immediately split our defense to set up Urena for the opener. Brutal, bush league 5-minute sequence that directly turned a shoulda-been 1-goal, man-up advantage for the US into a 0-1 deficit.