Except that's not how we concede goals. We concede goals when our defenders switch off and forget to track a runner or don't challenge a header. What would that have to do with being nervous about Howard? Lack of concentration has nothing to do with being nervous -- if anything, being worried about your goalkeeper should make you extra conscious of making sure you stay tight to your man, something our defenders keep forgetting.
It's because we drop unnecessarily deep, then are too cautious coming out of defence, so we're stuck in a grey zone defensively were we don't know whether to stick or twist, and the opposition take advantage.
When we defended properly, everything was done instinctively - now they're having to second guess everything.