I think this movie is clever and its absolutely right Murray wouldnt speak to Ramis who tried to ruin its potential.

Do you ever try to work out when something changed in that final day? I genuinely cannot figure it out and everytime he appears to be surprised at something he will say something like "same old same old" to realise he already had this moment. Fuck off to redditors who say its because he bought the insurance and that fixed it.