Best known for directing Will Ferrell larks, director Adam McKay sets his eyes on a work of gravitas by tackling the American housing market collapse through the eyes of a few investing misfits who saw it all coming in the wry dramedy The Big Short (B). Treading familiar territory of big data chic honed to more entertaining effect by the same author’s Moneyball, this film suffers from a paucity of likable protagonists. That’s likely intentional but unfortunately undercuts the film’s sharpness. Steve Carell, Christian Bale and Ryan Gosling are standouts as guys who hope to strike it rich by betting against America and its institutions. The ultimate story is an important one to tell, and McKay sprinkles in some meta flourishes to ensure viewers can keep up. A civics lesson wrapped in the arch of a paranoid thriller, it’s close encounters of the earned kind. It’s a lot of exposition for the plaintive payoff.