Capaldi should have done better and sent him inside - and Stephen McPhail should have been shouting and helping him, but the captain was nowhere.
Even when the ball got to the box, Roger Johnson should have been in front of his man.
Maybe Enckelman was watching for a deflection, but the ball travelled a long way. He made the final mistake, and as a keeper he'll always get the blame.
As a team there are times when you don't want half-time to come, and for Cardiff this was one of them.
The likes of Jimmy Floyd Hasselbaink and Paul Parry stiffened up after the break, and the Bluebirds never recovered their tempo.
There were none of the surging runs we've come to expect from Parry - he couldn't get in behind Sol Campbell.
Credit has to go to Harry Redknapp for the second-half turnaround
The second half was a poor spectacle of a Cup final for any neutral, it was not good entertainment.
Portsmouth snuffed out the Bluebirds threat up front, and credit has to go to Pompey manager Harry Redknapp.
The Cardiff midfield looked completely lost in the last 45 minutes. Gavin Rae and McPhail were in two minds whether to surge on or hold off. They couldn't fathom it out.
Portsmouth had been playing 4-3-3, but in the second half it was more like 4-5-1.
The change confused the Welsh side. Their wide players pushed onto the Cardiff full-backs, who could no longer get forward.
But Bluebirds fans can be proud, especially of Joe Ledley.
Ratcliffe says it is time for Ledley to move up to the Premiership
His levels of consistency - with Cardiff and with Wales - have been fantastic for the last two seasons.
He was up against an established Premier League player and England international in Glen Johnson, and on Ledley's performance I think it's time for him to move on from Cardiff and test himself at the highest level.
I think that Ledley would be happy to stay in Wales next season while Aaron Ramsey, another Cardiff talent, would be disappointed if he was still with the club.
But I don't think Ramsey is ready for the Premier League yet.
He would be better off staying at Ninian Park, where I'm sure he would be a regular next season.
The important thing for Cardiff manager Dave Jones is that he knows what is happening to his squad as soon as possible so that he can formulate his recruitment plan.
I know from bitter experience of losing with Everton to our closest rivals Liverpool that Wembley can be one of the most difficult places in the world to be
Based on his current squad, I think he needs a keeper, another striker and maybe another midfield player.
If Cardiff hadn't had to sell their best players in recent years, I think they would already be a Premier League team.
You can only express sympathy with them over that - and the fact that they had to make the long, loser's walk over the Wembley turf.
I know from bitter experience of losing with Everton to our closest rivals Liverpool that it's one of the most difficult places in the world to be.
But Cardiff were lucky. Following the re-design of Wembley they only had to walk about half as far as I did!
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