ACR FLC MISSES XING RESTR IN DSCNT AT JAXSN INTXN.

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WE WERE EBOUND ON J14 AT FL330. WE WERE TOLD TO CROSS JAXSN AT FL280' BY ZDC. I BROKE MY NORMAL HABIT PATTERN OF STAYING LEVEL UNTIL THE VNAV (CDU) (OR FMC) INDICATES THE START DSCNT POINT. I STARTED DOWN EARLY; BUT ONLY USED 1000 FPM WITH THE INTENT OF INTERCEPTING THE VNAV DSCNT EVENTUALLY. ALSO; I FAILED TO COMMUNICATE TO THE CAPT MY INTENTIONS. DUE TO INATTN; I STOPPED MONITORING MY POS RELATIVE TO MY DSCNT RATE. WE CROSSED JAXSN ABOUT 2000 FT HIGH; I THINK. I THINK THE CAPT FAILED TO BACK ME UP BECAUSE HE INCORRECTLY ASSUMED I HAD IT WIRED BECAUSE HE SAW ME START DOWN EARLY. I THINK; SUBCONSCIOUSLY; I FELT THE SAME WAY. ZDC SAID NOTHING ABOUT IT. CAUSE: INATTN; COMPLACENCY; CONVERSATION IN COCKPIT; AND BROKEN HABIT PATTERN. HOW TO FIX IN FUTURE: 1) CRM -- COMMUNICATE INTENTIONS BETTER TO OTHER PLT SO HE CAN BETTER HELP BACK ME UP. 2) BE MORE WARY OF LONG CONVERSATIONS. 3) WORK AT FIGHTING COMPLACENCY HARDER -- BEEN ON THE JOB 2 YRS AND STARTING TO GET 'TOO COMFORTABLE' IN COCKPIT. SUPPLEMENTAL INFO FROM ACN 461620: I WAS CHANGING PUBS AND CORRECTING A SLIGHT WING FUEL IMBAL. I NOTED EARLIER THAT MY FO HAD COMMENCED HIS DSCNT TO MEET THE XING RESTR. I BELIEVED WE STILL HAD 3-4 MI TO REACH JAXSN AND MY FO SAID 'I'M HIGH.' I LOOKED AT MY VOR/DME AND DISCOVERED THAT WE WERE APPROX 2 MI PAST JAXSN STILL ABOUT 1700 FT ABOVE ASSIGNED ALT OF FL280. I HAD THE FO EXPEDITE DSCNT AND WE CONTINUED TO BWI VIA ASSIGNED ROUTING. I BELIEVE I ALLOWED MYSELF TO BE DISTR BY A COMBINATION OF FACTORS; INCLUDING TRYING TO DO TOO MANY THINGS AT ONCE; AND BY CONVERSATION AS WELL. EXTRA VIGILANCE AND TASK PLANNING SHOULD PREVENT THIS FROM RECURRING.