Start with none, go out a few points ahead, a few more, then peak late 3rd / early 4th quarter, then quickly back down.

I'd say they get lazy but it's not obvious that's true. For USF it may have something to do with their having great shooters that seemed to do better under extreme stress late in both games.

Part of it may in fact be we don't have go to scorers. If the other team starts getting its act together late, we don't have any one player that can slam the door. Barcello was mostly that guy Thurs. night with his late 3. But as we know, while he's great, like 6 guys have led the team in scoring the last 6 games.