Jeff Garcia, the 49ers starting quarterback, was sidelined with a left ankle injury. In stepped Rattay, a fourth-year pro who was stellar after 56 games as a backup.
San Francisco (4-5) rolled up 389 yards of offense -- most of it early -- and cruised to just its second win in its last 10 meetings with St. Louis.
The Rams (5-3) were held to three points through 45 minutes.
Torry Holt had 11 catches for 200 yards and a score for St. Louis.
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