This was a holiday audiobook and I listened and finished over two days. I kept waiting for everything to be pulled together but it never happened! There was no cohesion to the characters and the book just kind of stopped without explanations and the ghosts were bizarre of an ending. The Madoff storyline was interesting, it portrayed the devastation in some characters quite well.I haven’t read previous works of this author but from other reviews I may invest time. Overall, I wouldn’t recommend to others as a good read.