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Missed The Boat 

To not take advantage of something in time.
When Jerry turned down the promotion, he soon discovered that he really missed the boat.

missed the boat 

When a person or entity that was doing things good and enjoyed a good record out of it, all of a sudden does something really bad.
Did you see that new digital camera model? Nikon missed the boat on this one!
missed the boat by Matu August 17, 2004