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The Big Short (2015)

**** (out of 4)

Four different groups of people notice that something isn't quite right with the housing market and soon make a large wager that the economy is going to fall apart.

Trying to sell America on a film that deals with a true story of the market collapse isn't the easiest thing to do and I must admit that I was shocked when THE BIG SHORT became a modest hit at the box office. I was even more shocked when I realized Adam McKay was the director behind this film but I was even more shocked at how wonderful he handled the material once the end credits started to roll. I mean, who thought that McKay would handle such a tricky story just like you'd expect Alfred Hitchcock, Martin Scorsese and Robert Altman?

I purposely used those three filmmakers to make my point. The Hitchcock connection comes from that director liking to let you know you're in danger and then he milks the suspense. THe same is done here as you know going into the movie that millions of Americans are going to lose their homes and their jobs so McKay lights the bomb at the start of the film and THE BIG SHORT just grows with tension leading up to the final collapse. The Altman connection is how McKay uses four different groups of people acting during the same period to build up to the conclusion. All four stories are all very interesting on their own and the director perfectly mixes them together and plays them well off of each other.

As for the Scorsese connection, there's a whole lot of creative style on display here and just look at the wonderful cinematography that pretty much throws you into the middle of these meetings and you almost feel as if you're listening and watching something that you're not supposed to be. The style also really shows off the various lifestyles and the wild nature of Wall Street. Scorsese had tackled the excess in THE WOLF OF WALL STREET, which would make a perfect double feature with this film. The score, the music selections and the dialogue just jump off the screen and perfectly create a world that most watching the film probably won't be a part of.

Of course, then there are the wonderful performances that bring these characters, the situations and the dialogue to life. Christian Bale, is there anything this guy can't do? He plays another weirdo here but is there anyone who does it better or more believable? Steve Carell plays perhaps the most troubled character here and the actor turns in the greatest performance of his career. Ryan Gosling's dry humor is perfect for the black comedy in the film and Brad Pitt is also extremely good even though he plays the most laid back character. Throw in Marisa Tomei, Melissa Leo, Rafe Spall, John Magaro and Finn Wittrock and you've got some of the best acting that you're going to see all year.

THE BIG SHORT left me a tad bit nervous the first ten minutes because I wasn't quite sure if it was going to be able to grab me and hold my attention throughout. After all, it's story is a confusing one that you have to keep up with but McKay does a marvelous job at using humor to get the more confusing parts across and it works perfectly. This is certainly a very intelligent film that gets its message across without having to scarifies the entertainment level. It's certainly a creative gem that actually works.

Great drama moves you. It excites you. Scares you. Makes you sing. Makes you cry.

The Big Short makes you shake your fist. The Big Short is driven as much by its Iago as it is its Othello, and deservedly so.

The events in the story did happen. Many people still don't care. The Big Short gives you reason to care. That is what separates this film from being merely a documentary and turns it into high drama.

No matter your politics - mark this, like Citizen Kane, as a movie that should be seen at least once. It is not always comfortable to watch. And that is a good thing - The Big Short is a documentary of a real life horror that unfolds in slow motion, and reminds us that even after the fact - no one is listening. Because truth is like poetry.

I have to admit that I don't understand all the intricacies of the bond markets that were being manipulated here. Whether one is a Wall Street maven or not isn't the issue. The fact is that people sold mortgages to others who had no business getting into them. I recall a 60 Minutes report on the bubble before the crash took place. The expert had them drive through a desert area, filled with enormous houses, all of which were in default. If one looked in the windows of these, you could see that some of the tenants had stripped all kinds of fixtures and walked away. There were two types of buyers, it seemed. Those that were trying for the fast buck and those that really had no clue what they were getting into. The balloon mortgages took them from affordable to bankruptcy. This was unsustainable and it wasn't long before the banks found themselves with armloads of houses and buyers with hopeless debt. The guys in the movie are aware, but, for the most part, aren't all that sympathetic to these foibles. They go in to make money and they manage to do it. The whole thing that overrides this entire film is that all the evidence was right there, but the greed of most of the parties supersedes all of that. I thought this was a fine movie with a superb lesson. To the new generation. You may not be entitled to have whatever you want without paying your dues.

No subject in the world is inherently interesting or uninteresting, for it's always about the communicative method or channel used to promote or inform one about the subject that is either interesting or not. Having said that, some subjects are more alienating than others, and one of those subjects is economics/finance, largely because of its dependency upon a plethora of terminology and jargon that usually cannot be adequately defined without including other terminology or jargon. Before you know it, searching the definition of something like a "Roth IRA" leads you to Google searches about embezzlement and quantitative easing in efforts to try and circumvent and define what you were originally looking for.

Thankfully, Adam McKay's The Big Short assumes the audience is fairly stupid and blissfully ignorant when it comes to the interworkings of what led to the global economic crisis of 2007-2008, which saw record unemployment and catastrophic results for the usually reliable housing market. In true movie fashion, we observe the financial crash, not from an insider standpoint, where sure-fire, grade-A trades and exchanges are being made, but by a plethora of quirky outsiders trying to run away from a boulder that keeps gaining on them until it flattens them and everyone in their tracks. The only ones saved are the ones who didn't manage to fall or stumble when pushing said boulder down the hill in the first place.

We initially meet a quirky hedge fund manager named Michael Burry (Christian Bale), who discovers that the U.S. housing market is based on a series of subprime loans (which, we are told by Margot Robbie as she soaks in a bubblebath whilst sipping champagne, may as well be synonymous with "s***") and is inevitably going to collapse sometime in the second quarter of 2007. Being that the housing market is often viewed as the safest bet in America, Michael begins to go around to different banks to bet against the stability and long-term security of the housing market in efforts to profit from the impending disaster.

Then there's Jared Vennett (Ryan Gosling), a fairly small-time investor, who winds up putting in his own money to bet against the housing market, along with Mark Baum (Steve Carell), a cynical and depressed banker of many years. The two wind up discovering that the market collapse is further aided by the solicitation of collateralized debt obligations (CDOs), basically collections of the aforementioned subprime loans that come packaged together and market as competent and reliable investments.

Finally, there's Charlie Geller (John Magaro) and Jamie Shipley (Finn Wittrock), two young-bloods anxious to break into the financial market. The inexperienced duo enlist in the help of a retired, conservative banker named Ben Rickert (Brad Pitt), who helps them make decisions with their money. Unlike the other more experienced men, both Charlie and Jamie lack the kind of gusto and namesake that allows them into the offices of big name bankers. As a result, they pine for a bigger piece of the pie in a smaller way, largely by lounging in their parents' basements, hunched over their iPads.

The Big Short functions as a competent, satirical anthology that breaks down the financial crisis - that is now nearly a decade old, if you can believe that - enough to be informative and entertaining. Considering this is from Adam McKay, a frequent collaborator with Will Ferrell and Funny or Die, responsible for films like Casa De Mi Padre, The Other Guys, and Step Brothers, this is a huge step in the right direction for him as a name in comedy and satire. Rather than focusing on a bargain-barrel Spanish telenovela satire or a tired, mean-spirited comedy based around who can yell the loudest, McKay sets his sights on peddling information through the most communicable form - entertainment. If you can succeed in meriting consistent laughs while teaching an audience something, you have profoundly succeeded at two things many have a difficult time accomplishing in a separate sense. That alone is worth considerable praise.

While the screenplay by McKay and Charles Randolph is undoubtedly a big part at why this film succeeds, The Big Short is a true testament to brilliant comedic acting on various cylinders, as well. The men of the hour, specifically, are both Bale and Carell, seriously taking on opposite personas that they pull off to a tee. Bale plays confused and downright quirky with just the right amount of edge to make him believable rather than hopelessly incompetent or downright silly, and Carell's sporadic bouts of rage and lack of self-awareness make him all the more watchable screen presence. Other performances, like Gosling's, who serves as the infrequent, anti-hero narrator, is notable for its brash charm, in addition to Pitt, who works largely because he's even more understated and harder to define than in his latest film By the Sea.

The Big Short has a lot of comedic value, but it's nonetheless a frightening depiction of where America is currently at; a depressing oligarchy, controlled and manipulated by those with money at the mercy of those without. We've seen "The Great Recession of 2007," as it's sometimes called, plunge numerous working class and poor families into further states of hopelessness, while those who helped cause and further the effects of the recession have gone on to have a road of many ups and few downs since then. McKay's eye, ear, and talent for conducting satire in a way that's simultaneously uproariously funny, in addition to having the ability to be truly upsetting, is quite marvelous and unexpected, and one can only hope that with proper recognition and compensation for his efforts on this film, he furthers down this path rather than the one he was previously on.

First for newbies, the events here took place prior to the Kevin Spacey film Margin Call (2011). So the Spacey film would have depicted events near the end of this film. Both are superb movies.

Back to the review. This film is very unusual in that the producers have shown fierce determination in taking a serious topic and making it as user friendly as one possibly can. Multiple techniques are used to this end and they all work well. In fact in places the film has a Monty Python quality. Why was this done? One can only assume that the producers understood the multiple studies showing that the modern city-dweller becomes uncomfortable when confronted with any facts which suggest that he or she was not paying attention when bad things were happening. After all we live in a democracy so the voters should have been more alert? Isn't that their job? The techniques mentioned attempt to appeal to our SESAME STREET side and make the whole thing as pleasant an educational experience as possible. But make no mistake, this is an educational movie.

One that should be mandatory for adults. Like getting a driving test before a license. How about learning about Wall Street and the banks before you invest with them...? Carell steals the film and may finally get the attention he deserves. Great actor.

Finally the message. The film suggests not only that Wall Street is corrupt but that the corruption extends to the agencies mandated to supervise Wall Street and (possibly) to Washington itself. The implicit message, conveyed in the end credits, that unless we deal with the problem at the source the symptoms will keep happening over and over and over.

Duh!

((Designated "IMDb Top Reviewer." Please check out my list "167+ Nearly-Perfect Movies (with the occasional Anime or TV miniseries) you can/should see again and again (1932 to the present))