Saunders did not do well on that last goal, but the defense screwed up before he left his line. My descriptions follow each photo.
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Look at the right side of our defense. Pirlo is the 10-yard man. Jack is in-between playing nobody but covering against service to the middle. Kamara and Finley are off to the right by themselves with Villa. The positioning isn't wrong, but Villa needs to stay with one of his two men and Jack needs to realize when the ball crossed over so far that he needs to provide help with those 2. Here's how we look when the initial service is across the field.
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The ball is just starting to come back across. Chanot and Brillant are working. So is Lampard (more on him soon). Jack is running, but is neither on the ball or a player and still in no-mans land. Villa is standing still. Kamara and Finlay are wide open on the right side with nobody showing any awareness they even exist.
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The ball crosses back. Kamara and Finlay are still unmarked. The closest field players are Jack and Villa who show no awareness. Both are watching the ball. Saunders runs to that side, still on his line, and probably sees Kamara and Finlay unmarked at this point. Jack is moving more to goal than to where the ball is going.
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Jack finally sees Kamara and Finlay. Villa leans away. Lampard rushes in. Saunders still on goal.
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Saunders off his line. Meanwhile, God bless Frank Lampard. No other field player is on either a man or the ball but Frank is on both, although Brillant is, to his credit, manning the goal line. Jack is there too but needed to be on Kamara, while Villa needed to be on Finlay. The ball is unseen here at the feet of Lampard or the man he is wrestling with, Cedrick, one of whom kicks the ball directly to the unmarked Finlay. Even if it is Lampard I blame him 0%.
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And it's over. Saunders is on no man's land but I think the ball goes in if he's on the line anyway.