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I really loved this book for most of it. I loved Rico as a character: it's easy to empathize with her plight while also feeling frustrated (and understanding!) with how she lets her pride get in the way. It would be so much easier for the author to fall into the trap of making Rico a character for whom all you can do it feel bad, and that would just be too simple and too boring. Same for Zan and for Rico's mom; they're layered and interesting characters. (Rico's mom was so misguided...but I do think her often baffling decisions are actually pretty realistic for some people.)
The ending, though, is *bizarre* to me. It did occur to me at one point that Zan might have the ticket. But the fact that he did indeed have it and just withheld that information from her? It's cruel, of course, and *totally* ignorant of him, and super patronizing that he thought he needed to protect the elderly woman (and then Rico and her family, I guess?) from misusing the money. But above all, it's also just *really* incongruous with his character, in my opinion. YES, we know that he and his family have this idea about how "poor folk" can't manage their money, and YES, we know he's out of touch with certain economic realities. However, once he learns about Jax's illness and the debt the family is in, there's no way he wouldn't have given her the ticket. The novel shows us time and again that he's devoted to her and wants to help her in all the small and important ways. So it makes no sense to me that he wouldn't give her the ticket or at least, like, pretend to have found the ticket in the elderly lady's belongings. And then for it all to end with him patronizingly setting up all these various accounts and trusts to prevent her family from blowing the money right away...such a weird message! I get it, it's a proven thing that people who get a sudden windfall (from the lotto, from a will, from getting into pro sports, whatever) often lose their money quickly because they don't manage it well. But I'd have liked to see Rico get the money and see a money manager and have some agency in safeguarding it. It's weird to me that the lasting message (at least to me) was still that the rich man (Zan, here) knows best. I'm glad at least that they dont stay together at the end (because everything is so bizarre at this point with all the dishonesty and whatnot) but I'd have preferred an ending in which Zan wasn't a total jerk.