I agree with your overall point: The team selection was a factor but not the only one. There aren't many big game when all of our big players underperform and that's what happened. I think nerves and expectation got the better of them. A lot of early things fell Chelsea's way, and they rattled us with some good challenges. which gave them momentum. They scored just as we'd got on top, and that allowed them to squeeze the life out of the second half. The subs were wrong and smacked of panic too, and things didn't fall our way in the box.