Here's a full review. Key points are
66 - which we both see as the first losing move (I made this comment already in my offline analysis when you added your reply here)
87 - a soft move by Black which allows you to reduce the gap and get chances in the endgame
132 - the second losing move; the edges are important in the endgame, but one shouldn't allow the opponent to form new territories at that stage
Overall, both played a fairly patient game and sometimes too soft at that. Black grabbed his chance to trick White at 131, earning him a well deserved victory, but still White had his chances too. Not a bad game at all.
(;GM[1]FF[4]CA[UTF-8]AP[CGoban:3]ST[2]
RU[Japanese]SZ[19]KM[0.50]TM[14400]OT[5x30 byo-yomi]
PW[Jarmo]PB[Cacafogo]WR[2k]BR[3k]DT[2016-04-16]PC[The KGS Go Server at
http://www.gokgs.com/]RE[B+5.50]
;B[pd]BL[14394.974]C[Jarmo [2k\]: HAVE A GREAT GAME!
]
;W[dc]WL[14386.003]
;B[qp]BL[14386.482]
;W[ep]WL[14380.346]C[Cacafogo [3k\]: Have fun
]
;B[de]BL[14334.635]
;W[dh]WL[14356.716]
;B[fe]BL[14326.315]
;W[gc]WL[14354.36]
;B[he]BL[14316.73]
;W[dk]WL[14343.281]LB[ic:A]C[K - I would think that A is too important]
;B[oq]BL[14305.751]C[K - for both]
;W[qj]WL[14335.275]
;B[ql]BL[14295.324]
;W[qf]WL[14332.457]
;B[qh]BL[14277.316]
;W[rh]WL[14329.761]
;B[rg]BL[14245.726]
;W[qg]WL[14327.023]
;B[ri]BL[14243.276]
;W[ph]WL[14325.229]
;B[qi]BL[14241.592]
(;W[rf]WL[14324.251]C[K - this is wrong]
;B[pi]BL[14209.958]C[K - Good move by Black]
;W[qc]WL[14313.392]
;B[qd]BL[14193.948]
;W[rd]WL[14311.185]
;B[pc]BL[14186.362]
;W[rb]WL[14308.588]
;B[qb]BL[14138.335]
;W[rc]WL[14305.242]
;B[mc]BL[14110.707]LB[ic:A]C[K - I still prefer A here]
;W[jc]WL[14281.774]
;B[ke]BL[13980.981]
;W[id]WL[14271.783]
;B[ie]BL[13962.944]LB[pi:A]C[K - Black is keeping things simple and after the great success of A this is correct]
;W[jq]WL[14267.961]
;B[cp]BL[13934.674]C[K - a logical move]
;W[cq]WL[14261.332]
(;B[dq]BL[13862.346]C[K - now Black complicates things and this is not necessary]
;W[dp]WL[14254.171]
;B[bq]BL[13837.69]
;W[cr]WL[14244.846]
;B[br]BL[13830.414]
;W[co]WL[14241.711]
(;B[dr]BL[13795.131]C[K - an incomprehensible move]
;W[bp]WL[14238.591]
;B[cs]BL[13792.537]
(;W[fr]WL[14223.198]C[K - it is worth investigating the variation]
;B[cp]BL[13788.975]
;W[cq]WL[14220.737]
;B[fq]BL[13756.459]
;W[eq]WL[14214.912]
;B[er]BL[13754.929]
;W[gr]WL[14208.555]
;B[es]BL[13739.845]C[K - a great success for White]
;W[jo]WL[14189.11]LB[mq:A]C[K - I prefer A to enlarge the moyo. This is more like making territory close to thickness]
;B[cc]BL[13632.963]
;W[cb]WL[14182.171]
;B[cd]BL[13627.538]
;W[eb]WL[14178.775]
;B[ch]BL[13534.9]
;W[ci]WL[14175.253]
;B[cg]BL[13525.852]
;W[bi]WL[14172.238]
;B[im]BL[13437.654]C[K - this is a good reduction move]
(;W[hn]WL[14164.882]C[K- this is very soft. I would call this the first losing move.
Interestingly, you called out this move to get alternative, after I made this comment.
So let's look into some alternatives here.]
;B[km]BL[13403.32]LB[ke:A][pi:B]C[K - This move corresponds greatly with A and B. Suddenly the central influence is all Black's.]
;W[hm]WL[14149.119]
;B[lo]BL[13386.55]
;W[kn]WL[14129.613]
;B[ln]BL[13376.896]
;W[lm]WL[14127.273]
;B[kl]BL[13313.17]
;W[kj]WL[14083.789]
;B[lk]BL[13291.561]
;W[ik]WL[14076.282]
;B[gi]BL[13137.065]
;W[gk]WL[14065.102]
(;B[mi]BL[13135.342]C[Cacafogo [3k\]: srry, misclick
Jarmo [2k\]: Inexcusable!
Cacafogo [3k\]: First time in a while
]
;W[lj]WL[13947.637]
;B[mj]BL[13103.938]
;W[kk]WL[13943.512]
;B[ml]BL[13057.954]
;W[nq]WL[13845.762]C[K - This is good.]
;B[np]BL[13010.091]
;W[mq]WL[13839.411]
(;B[mp]BL[13000.957]C[K - soft]
;W[or]WL[13835.548]C[K - this relieves some of the pain]
;B[pq]BL[12996.283]LB[bb:C][pb:A][sg:B][pr:D]SQ[gf][gg][gh]C[K - with this unexpected shift in territory, the game can possibly still be won in the endgame.
A to D are big points. White will also have to care about some potential around the marked area.]
(;W[lq]WL[13832.998]C[K - this is also quite soft. See var]
;B[pg]BL[12959.746]
;W[pr]WL[13798.993]
;B[qr]BL[12952.97]
;W[of]WL[13739.661]
;B[pf]BL[12920.309]
;W[pe]WL[13734.508]
;B[og]BL[12918.11]
;W[ng]WL[13727.218]
;B[oh]BL[12914.906]
;W[qe]WL[13722.082]
;B[oe]BL[12912.294]
;W[od]WL[13720.266]
(;B[oc]BL[12828.615]
;W[ne]WL[13716.151]
;B[nd]BL[12820.267]
;W[oe]WL[13709.604]
;B[kb]BL[12745.265]C[K - this is big]
;W[jb]WL[13702.616]
;B[kc]BL[12740.58]
;W[nb]WL[13634.309]
;B[nc]BL[12732.748]
;W[pb]WL[13623.407]
;B[ob]BL[12729.399]
;W[qa]WL[13622.319]C[K - White gets another big endgame point.]
;B[bb]BL[12668.305]
;W[ba]WL[13619.428]
;B[bh]BL[12656.716]
;W[jd]WL[13599.034]
;B[na]BL[12599.802]
;W[je]WL[13588.688]
;B[jf]BL[12595.539]
;W[ka]WL[13529.482]C[K - it seems like White has set his eyes on this group]
;B[kd]BL[12558.322]
(;W[la]WL[13495.338]
;B[mf]BL[12534.131]
;W[bc]WL[13483.467]C[K - big]
;B[bd]BL[12530.176]
;W[ab]WL[13481.572]
;B[ai]BL[12516.361]
;W[aj]WL[13478.367]
;B[di]BL[12448.671]C[K - a nice combination but it doesn't work]
(;W[ah]WL[13471.707]C[K - White falls for it
I would call this the second losing move]
;B[ei]BL[12407.105]C[K - this is huge. White did not take the marked area mentioned before into account]
;W[dj]WL[13465.478]
;B[nf]BL[12358.334]
;W[kg]WL[13388.634]
;B[jg]BL[12255.997]
(;W[mg]WL[13377.8]C[K - and this is perhaps the final losing move]
;B[kh]BL[12213.189]
;W[lb]WL[13071.99]C[Cacafogo [3k\]: brb
]
;B[me]BL[12086.792]C[K - This solidifies the loss]
;W[lc]WL[13024.587]
;B[ld]BL[12022.85]
;W[af]WL[12976.749]
;B[kp]BL[11937.066]
;W[kq]WL[12969.503]
;B[jn]BL[11836.253]
;W[io]WL[12944.973]
;B[ps]BL[11808.114]
;W[ns]WL[12939.528]
;B[jp]BL[11795.73]
;W[ip]WL[12935.087]
;B[il]BL[11723.297]
;W[hl]WL[12913.635]
;B[ij]BL[11711.877]
;W[jj]WL[12898.462]
;B[hj]BL[11674.745]
;W[hk]WL[12872.522]
;B[hd]BL[11653.754]
;W[hc]WL[12868.628]
;B[ji]BL[11621.992]
;W[eh]WL[12857.53]
;B[fh]BL[11616.915]
;W[ej]WL[12853.499]
;B[fi]BL[11614.311]
;W[cf]WL[12829.127]
;B[dg]BL[11597.203]
;W[df]WL[12821.438]
;B[ef]BL[11591.079]
;W[bg]WL[12818.29]
;B[eg]BL[11587.789]
;W[ed]WL[12808.725]
;B[ee]BL[11574.149]
;W[sg]WL[12798.336]LB[bb:E][qb:C][hg:A][mg:B][rg:D][pr:F]C[K- this is the last big endgame and the game is decided.
In the end, the result is surprisingly close, despite the territories formed at A and B.
This is because White took the big endgame at C, D, E and F, which were mentioned as the 4 endgame points to play, at move 89.
End of comments.]
;B[si]BL[11535.307]
;W[ko]WL[12793.036]
;B[lp]BL[11516.451]
;W[mb]WL[12753.369]
;B[fs]BL[11492.515]
;W[gs]WL[12750.513]
;B[fj]BL[11486.162]
;W[fk]WL[12746.342]
;B[fd]BL[11483.316]
;W[fc]WL[12743.468]
(;B[be]BL[11479.998]
;W[bf]WL[12736.048]C[Cacafogo [3k\]: being sick makes my coordination off
Jarmo [2k\]: I can tell.
]
;B[ap]BL[11435.902]
;W[ao]WL[12732.301]
;B[aq]BL[11432.83]
;W[oa]WL[12729.459]
;B[pa]BL[11426.849]
;W[cp]WL[12726.83]
;B[cr]BL[11417.864]
;W[oa]WL[12724.757]
;B[md]BL[11393.229]
;W[ma]WL[12715.27]
;B[li]BL[11363.662]C[Cacafogo [3k\]: score est?
]
;W[gd]WL[12655.173]
;B[ge]BL[11359.243]
;W[sh]WL[12623.688]
;B[dd]BL[11310.306]C[Jarmo [2k\]: I thought it was close and in your favor a while back, but stuff happened.
]
;W[ec]WL[12609.024]
;B[ae]BL[11299.901]
;W[ai]WL[12606.397]
;B[ac]BL[11292.097]
;W[ad]WL[12602.196]
;B[ce]BL[11286.805]
;W[ag]WL[12598.972]
;B[ac]BL[11284.224]
;W[bb]WL[12586.563]
;B[ad]BL[11279.049]
;W[jm]WL[12576.62]
;B[jl]BL[11270.11]
;W[jk]WL[12572.878]
;B[in]BL[11253.943]
;W[ki]WL[12569.39]C[Cacafogo [3k\]: This is where I should count to see if I should think hard about responding
Cacafogo [3k\]: Though probably faster just to think hard about responding
]
;B[lg]BL[11172.128]
;W[gj]WL[12556.3]
;B[ii]BL[11167.384]
;W[os]WL[12528.984]
;B[qs]BL[11163.909]
;W[]WL[12528.984]
;B[ms]BL[11144.746]
;W[nr]WL[12525.927]
;B[iq]BL[11141.315]
;W[hq]WL[12480.2]
;B[ir]BL[11129.909]
;W[jr]WL[12428.604]
;B[hp]BL[11122.041]
;W[ho]WL[12425.999]
;B[]BL[11022.794]
;W[]WL[12425.998]TW[aa][ca][da][ea][fa][ga][ha][ia][ja][na][pa][ra][sa][db][fb][gb][hb][ib][qb][sb][ic][sc][sd][re][se][sf][rg][bj][cj][ak][bk][ck][ek][al][bl][cl][dl][el][fl][gl][am][bm][cm][dm][em][fm][gm][an][bn][cn][dn][en][fn][gn][bo][do][eo][fo][go][fp][gp][hp][fq][gq][iq][hr][ir][kr][lr][mr][hs][is][js][ks][ls][ms]TB[le][ff][gf][hf][if][kf][lf][fg][gg][hg][ig][kg][mg][ng][dh][eh][gh][hh][ih][jh][lh][mh][nh][ph][hi][ni][oi][nj][oj][pj][qj][rj][sj][mk][nk][ok][pk][qk][rk][sk][ll][nl][ol][pl][rl][sl][jm][lm][mm][nm][om][pm][qm][rm][sm][mn][nn][on][pn][qn][rn][sn][mo][no][oo][po][qo][ro][so][op][pp][rp][sp][qq][rq][sq][ar][rr][sr][as][bs][ds][rs][ss]C[Jarmo [2k\]: Nice one!
])
(;B[ae]BL[11476.547]))
(;W[me]))
(;W[ei]
(;B[bj]
;W[ah]
;B[cj]
;W[dj])
(;B[jn]C[Black could do this ...]
;W[ko]
;B[fj]
;W[dj]
;B[fk]
;W[fl]
;B[el]
;W[ek]
;B[gl]
;W[fm]
;B[hl]C[... but who saw that coming?])))
(;W[kf]
;B[jg]
;W[lf]
;B[mb]))
(;B[ne]
;W[oc]
;B[pb]
;W[ob]
;B[kh]))
(;W[pr]
;B[lq]
;W[lr]
;B[mr]
;W[nr]
;B[kr]
;W[ms]
;B[kq]
;W[jr]
;B[ks]
;W[rq]C[White applies the idea of mutual damage]))
(;B[or]C[This is much bigger. White cannot break through.]
;W[mp]
;B[no]))
(;B[mh]BL[12980.392]))
(;W[km]LB[mq:A]C[This is the first direction from which to attack the black stone. Its secondary purpose is to reduce or even invade the right side. It even has a tertiary purpose, to make territory in combination with A
For me this is the clearest move.])
(;W[ik]C[This is the second direction from which to attack. The secondary purpose is to create some influence to attack the top group.
But that doesn't look very easy.
Also ...]
;B[km]C[Black connects out to his strong right side and even helps building it.])
(;W[oh]LB[pb:A][ld:D][sh:B][oi:C]TR[im]C[I also thought of this move. It's avery indirect one but it has many purposes.
1) It strengthens the top right. This is not quite necessary because White has two options A & B there but by becoming stronger in the centre, neither move will be sente for Black
2) It threatens turning at C and dominate the centre.
3) it threatens to cut off the top from the left side, at D.
4) finally, it keeps an eye on the marked stone on a large scale.
Let's look at some continuations.]
;B[oi]
;W[nh]
(;B[mj]
;W[ld]C[Black will now have to take care of two groups])
(;B[me]
;W[mj]TR[im]C[White can now play with the marked stone and the right side.]))
(;W[mq]C[A final idea may be to remain patient and expand here. However, that doesn't really take the previous reduction into account. White must be more active in this game, I think.]))
(;W[cp]
;B[fq]C[The fight is unclear, so probably White was right to keep it simple and surround Black]))
(;B[bp]
;W[dr]
;B[bo]
;W[cn]
;B[bn]
;W[cm]
;B[bs]
;W[mq]C[This would have been better for Black than the game]))
(;B[bq]
;W[dq]
;B[bo]LB[cm:A]C[This or A keeps things simple]))
(;W[pi]
(;B[rf]
;W[qe]TR[pd][rf]C[Black hurts himself])
(;B[pj]
;W[oj]
;B[pk]
;W[og])))