Sure, the moment of truth was the 2 point conversion. Culpepper throws it to the back of the endzone, and both Chambers and Booker are falling down as the pass arrives.
And then, moments later, you had a perfectly squandered opportunity where the onside kick was nearly recovered by Miami, only to have it squirt free like a wet watermelon seed and go out of bounds.
But, Miami's real trouble can probably be traced to the time in the game where there were nearly 6 minutes remaining, and Miami was down 17-6. Its 4th and goal from the 4, and Nick decides to kick the field goal. That moment was defining, and I think ultimately decided the outcome of the game.