Stunning.

Shocking.

And, quite frankly, idiotic.

Georgia Tech upset the 17th-ranked Miami Hurricanes 23-20 Saturday night in a game decided by an egregious coaching decision.

Miami coach Mario Cristobal, who is in the 2nd season of a 10-year, $80 million contract, should have had quarterback Tyler Van Dyke take a knee to secure what would’ve been a 20-17 Canes win.

Offensive coordinator Shannon Dawson, who calls the plays, also is on the hook for blame.

Instead, the Canes ran a play, handing off the ball to Donald Chaney Jr. As Chaney broke through the line, he was stripped of the ball, and Georgia Tech recovered.

On video replay, it appeared as if Chaney’s elbow was down. But the referees didn’t see it that way, and the fumble call stood.

With just 26 seconds left and out of timeouts, Georgia Tech took over at its own 26. The Yellow Jackets then hit 2 big pass plays – a 30-yarder to Malik Rutherford and a 44-yard touchdown toss to Christian Leary to take the lead with just 2 seconds left.

Miami failed to score on a lateral-filled kickoff return, and the Hurricanes had their most atrocious last-second loss since “Hail Flutie” 39 years ago.

In Saturday’s game, the Hurricanes (4-1 overall, 0-1 ACC) lost because of the coaching. Pure and simple.

But the players failed, too, as Miami blew a 10-0, 2nd-half lead.

Tyler Van Dyke threw 3 interceptions.

Chaney fumbled.

And All-American safety Kamren Kinchens, in his 1st game back from a reported concussion, over-ran the ball on the winning TD pass.

Add it all up, and Miami lost to clearly inferior Georgia Tech (3-3, 2-1).

To be clear: We’re not calling Cristobal or Dawson an idiot. But the decision not to kneel down and take the win was dumb.

And this is not a 2nd-guess situation. The announcers on the ACC Network were calling for “victory formation” and the kneel down before the fumble happened, and it’s likely every serious football fan watching expected that to be the case.

To his credit, Cristobal was quoted after the game as saying: “We should have taken a knee. I should have stepped in and said, ‘Hey, just take a knee.’ ”

Player of the week: Slot receiver Xavier Restrepo had the best game of his career, catching 12 passes for 123 yards. He beat the defense down the middle of the field for a 47-yarder – his longest gain of the night. But he also had a number of other terrific receptions.

Offensive freshman of the week: Tight end Riley Williams scored on a 22-yard reception. After failing to box out his smaller defender and not making a catch earlier in the game, Williams secured the reception, spun to break a tackle and then did a great job of stretching the ball over the goal line for his 1st career TD. He is an outstanding prospect if he keeps going at his current trajectory.

Defensive freshman of the week: Defensive end Reuben Bain Jr. made a big stop on 3rd down, and then he had a 4th-quarter sack. As predicted by anyone who saw him play in high school, Bain is a monster.

Biggest surprise: You mean besides Miami not having TVD take a knee? Well, that would be Miami scoring just 3 points during the opening half despite outgaining Georgia Tech 217 yards to 61.

Biggest concern: That would be Miami’s mental state heading into next Saturday night’s game at 14th-ranked and unbeaten North Carolina.

Developing trends: Van Dyke threw just 1 interception during his first 4 games this season. On Saturday, he had those 3 interceptions, and he narrowly missed getting picked a 4th time. The interceptions were mostly a function of poor decision-making by Van Dyke, throwing late and into coverage. He will need to clean that up going forward because he is extremely talented.

Key stat: The Canes were penalized 6 times for 80 yards, and it seemed like every flag was highly damaging. One penalty, a dubious holding call, took a touchdown by Henry Parrish Jr. off the board. Another penalty, for taunting, allowed Georgia Tech to escape the shadow of its own goal line. That taunting happened, but it was for a split-second in the trenches, and it easily could have been a warranted no-call.

First impression after Game 5: The Canes need to get healthy – physically and mentally. From the physical side, freshman right tackle Francis Mauigoa (left shoulder), wide receiver Colbie Young (knee) and safety Kinchens (unspecified) all left the game with injuries. All 3 returned, but the status of wide receiver Jacolby George was not yet known.

From the mental side, this is the type of loss that can cause the season to spin out of control, especially since North Carolina quarterback Drake Maye will be waiting next Saturday. Maye is projected to be a top-3 NFL draft pick in 2024.

Watch out.