Frustrating loss.
Just keeping an eye on the f7 pawn with 21...cxd6 would have kept things interesting and going, and actually... the chances are pretty even, each side has his own problems. I believe after Qxd6 Ng4 white already has a huge advantage.
Before that nothting too exciting was taking place. Too bad. It happens to us all.
I'll analyze this myself soon. As per the thread in the General Discussion forum, any criticism is welcome. I would very much like examples of active moves where I played passive ones.