Director Cathy Yan has gone for the multi-characters intersecting story - and like others have mentioned, some of the stories and characters are more interesting than others. The movie doesn't seem too focused and meanders for a chunk of the runtime. It's not a total bore. I liked the younger generational romance story, but its not enough to save the overall movie from a mixed reaction. The indebted father and his sister was fairly grating to watch even with bad luck and all. Give it a kind 6/10.