Spoiler... Inconsistency about the money
It seems odd to me that Albert wouldn't keep the ledger book IN with the money. If Mrs. Baker hadn't found the book, she would never have pulled up the floor boards looking for it. But that shoots down the whole "Mrs. Baker's prosperity" ending.
I don't think someone of Albert's station in life would have used a traditional bank. And she was SO concerned about every coin, the only clue to the treasure wouldn't be left laying around where anyone could find it.
Other than that picky little "goof", it was a haunting film which stayed with me for quite a while.
Why is Glenn Close being "Jim Carrey-ed"? That is, not recognized by the Academy for the truly amazing actor she is? Carrey has turned in some amazing performances too.