Agree with you on the fumble call, but not the PI call. Bell's left arm may have been under Dennard's arm, but that was just incindental contact. Dennard is in perfect position and he has as much right to the ball as the receiver. But that call was no more or less wrong than several that at already taken place, it's just that coming at that critical juncture of the game it seemingly takes on more importance. But it was so poorly officitated that I would suspect the bad calls pretty much evened out.
But I don't think the goal line call was a bad call. He made a judgement one way. And whichever way he had ruled, it was going to be questioned. Just that close and that tough a call.
Dennard's arm was under Bell's, preventing him to catch the ball. Like I said earlier, they were calling PI's all day, barely allowing any kind of contact, so that is why I don't think it was a horrible call. Would I have called it? No, but I am not an official, and who knows if Dennard was warned before that, and it was the ref's last straw. Either way, that was two weeks ago, and I just don't think that call ruined the game for them. They had their chance, the lead and all to win, but they couldn't hold on. Their fault, not ours, not the refs.
Same goes for Penn State. They lost that game on their own. They had the lead, they should have been good enough to keep it. The better team won by double digits.