After Insurgent, the story picks up with Tris in trouble and Evelyn in control of the city.  Soon, Tris, Four and some others choose to leave Chicago and pursue the meaning of the Edith Prior video.  Most of the remaining story takes place inside a special facility a short drive from Chicago, where we find out what the story is about Chicago and the factions, as well as what it really means to be divergent.  Three-quarters of the way into this story, I was very disappointed.  It felt like the author was just going through the motions, and frankly, the story was boring and dull--lots of talking and philosophical introspection, but not much plot movement.  The last quarter of the book salvaged things for me and raised the story from one star to 3.5.  No, like a thousand others, I didn't like the ending, and I didn't think the ending was necessitated in any way by the story arc.  It seemed almost as if the author realized the story about to crash and burn, so she tossed in this ending to slap us in the face.  HOWEVER, the ending was well done and beautifully written, and it was quite evocative.  I thought the writing went from passable and average to excellent and gripping.  BUT, I'm only at 3.5 stars because the ending doesn't really fit the overall trilogy IMO.  So, for those that want a 'they all lived happily ever after' ending, don't read this book.  Stop with Insurgent and think up your own ending.  For those of you, who--like Tris--aren't afraid to jump off the roof into the net below, you should read it and experience the pain.  I just wish the first part of the book was written nearly as well as the ending.  Yo, Tris, you...well, you know what i mean. 

Question: What story do I tell you?
Answer: the story picks up with Tris in trouble and Evelyn in control of the city