ith a quarter of a season left it’s fairly obvious the Bears aren’t very good. A jaw-droppingly dreadful home loss to the formerly one-win 49ers is the latest evidence of that sad fact.

Must be the coaches. What have they ever done? John Fox came here a career Super Bowl loser having failed to pull off the trick twice with two different franchises. Defensive coordinator Vic Fangio had the same position he now holds at yet a third team that lost a Super Bowl.

Castigate coaches all you like, but it is a time-honored belief that coaches can’t coach if their players can’t play. Let’s be polite and say the Bears’ talent is lacking.

How far short is it? When the Bears face the Browns on Christmas Eve at Soldier Field, four experts contacted for this story believe it will be a battle between the two worst rosters in the NFL. At least the Browns have a ton of draft picks to fall back on.

“Yeah, I think their offense is the easiest in the NFL to game plan,’’ a longtime coach admitted.

It’s a formula the Bears see every week: stop the run; make them throw; cover them man-to-man on passing downs and watch the receivers fail to separate.

The Bears defense was keeping them in games earlier in the season, but they are a shadow of their former selves with multiple injury concerns at pass rusher, inside linebacker and safety. Once upon a time the Bears also boasted a power running game before injuries and inconsistency on the line and at running back took a toll.

It has been a theme with the Bears. Injuries follow the franchise like night follows day. The team used a strategy of pretending it was all bad luck after last year’s three-win, injury-plagued season. They didn’t make aggressive, drastic changes in staff or procedure. Heck, at this point why not try a shaman or a faith healer, even a witch doctor?

From the lofty heights of a 3-4 record with victories over the Steelers, Ravens and Panthers, the Bears have been stacking losses like Lego pieces. If every setback were a springboard to greatness the Bears would be a Super Bowl contender.