We like quirky slow burners, but this one spent too long meandering about and never really lit the fuse. In the opening scene we see a woman masturbating, for what reason I don't know, as it seemed completely disconnected from the rest of the story. Then for the next 90 minutes we get Laurence O'Fuarain trying to speak his lines without moving his lips, which made following the plot very difficult. In the end, the loans are paid out without any particular drama and the credits roll. We survived until the end, but it felt like a chore than an enjoyable way to spend a couple of hours. Sorry, it's a 3 from me.