Well, my wife did it to me tonight in a two-player variant of Puerto Rico (designer Andreas Seyfarth, publisher Rio Grande). I had a pretty good corn shipping strategy going, and then went long in sugar and eventually coffee. But I think I overdid it with the Hacienda and filled up my island plantations too quickly with other crops that didn't really pay off. I only had one quarry, which made it difficult to construct buildings. She wasn't producing many goods until she got tobacco going. Along with the Office, her tobacco sales made it possible for her to buy the Fortress, the Guild Hall, and City Hall (?). Despite my shipping like a fiend with my Wharf, her big buildings enabled her to outscore me 52 to 43.