I do give both Eli and Cutler a bit of slack in this because there are other factors. In Cutler's case, he's running for his life all the time withthe worst O lin in football and has only one real WR to throw to. In Eli's case he has a knack for the clutch and has 2 SB's in his pocket.
But the reality is that he really hasn't played well this season. He's had spurts, but on average its been a down year so far.