By the time Matt Dillon shows up as FBI Special Agent Arlen Hamer, it's clear that "Going in Style" amounts to a complete waste of its cast's considerable gifts.

An especially egregious instance is the squandering of Christopher Lloyd. His minor character, hopelessly senile Milton Kupchak -- a denizen of the fraternal lodge where the main trio hangs out -- is a crude caricature of Jim Ignatowski, the pixilated cabbie Lloyd memorably played on the TV series "Taxi."

While this is not a movie from which viewers are likely to draw any real-life moral conclusions, Theodore Melfi's screenplay does present the oldsters' actions as justified and ultimately harmless. The folks at the Federal Deposit Insurance Corp., we suspect, would beg to disagree.

The film contains a frivolous treatment of crime, including drug use, a couple of brief premarital bedroom scenes, a scatological sight gag, about a half-dozen uses of profanity, some vulgar sexual references, a single instance of rough language and considerable crude and crass talk. The Catholic News Service classification is A-III -- adults. The Motion Picture Association of America rating is PG-13 -- parents strongly cautioned. Some material may be inappropriate for children under 13.

- - -

Mulderig is on the staff of Catholic News Service.

- - -

CAPSULE REVIEW

"Going in Style" (Warner Bros.)

Leaden comedy about a trio of retirees (Morgan Freeman, Michael Caine and Alan Arkin) driven to desperation by financial woes who cook up an unlikely scheme to rob a branch of the bank they blame for the cancellation of their pensions. As they get tips for a successful caper from an experienced criminal (John Ortiz), Arkin's grouchy character finds romance with a grocery store checkout lady (Ann-Margret). Director Zach Braff's remake of Martin Brest's 1979 film -- which also features Matt Dillon as an FBI agent -- amounts to a complete waste of its cast's considerable gifts. While not a movie from which viewers are likely to draw any real-life moral conclusions, it does present the oldsters' actions as justified and ultimately harmless. A frivolous treatment of crime, including drug use, a couple of brief premarital bedroom scenes, a scatological sight gag, about a half-dozen uses of profanity, some vulgar sexual references, a single instance of rough language, considerable crude and crass talk. The Catholic News Service classification is A-III -- adults. The Motion Picture Association of America rating is PG-13 -- parents strongly cautioned. Some material may be inappropriate for children under 13.

- - -

CLASSIFICATION

"Going in Style" (Warner Bros.) -- Catholic News Service classification, A-III -- adults. Motion Picture Association of America rating, PG-13 -- parents strongly cautioned. Some material may be inappropriate for children under 13.