Loved it!
What a refreshing film. Sort of gave me the same sincere buddies feeling I had after watching "Swingers".
I went thru the whole gamut of emotions here. I felt such angst as if I were the one in debt out on a ledge and trying do cover up with my boss and girlfriend. It worked up such an emotional sweat for me that I felt the panic, yet the charm and realism (due in great part to Johnson's easy performance) beautifully counter-balanced all that. Bravo.