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I totally agree with you. If Garcia had not received a red card early in the match, and if Barcelona had played with 11 players, Barcelona would have won the match. Barcelona had this capability. Barcelona performed well in this match despite playing with 10 players. But I would have been happy if Barcelona had drawn the match. But Barcelona was not lucky in this match.
How can anyone guarantee that, but perhaps Barcelona's chances of winning were much higher if one of their players had not received a red card. After all, Barcelona had previously lost 3-0 against Monaco, especially in mid-August in the Joan Gamper Trophy competition. Monaco have learned a lot about how to beat Barcelona, so losing Eric Garcia is not the reason why Barcelona lost. Even if Barcelona plays with 11 players, their victory is by no means guaranteed.
Monaco's players were very confident in the home match. Monaco's boys have performed well enough. Also, since Garcia received a red card early in the match, Barcelona's defense was naturally a little weak. And Monaco's players are making good use of this opportunity. However, despite not winning the Champions League, I believe Barcelona will continue their winning streak in La Liga.
Monaco dominated the game and they really put Barcelona under pressure.
Barcelona had difficulty developing their game due to a lack of players, but what was great was that they still managed to score goals and Yamal was the star. Monaco recorded 18 shots of which 8 were on target, so it was truly extraordinary for them to find themselves winning twice in a row against the same team in a month in different competitions.