A lovely offering from the wunderkind. Just lovely. When you can make the whole grid into a Z, and then stuff a symmetrical core of eight Zs into it (with no Zs anywhere else) (not that that's all that tough), then I'll put up with the occasional SERENEST, FOOZLER, and a few names I've never heard of (VEIDT, MINETA, & GAZZARA).
LOVED TONTINE (33D: Life insurance plan), which we know from The Simpsons. Grampa (the oft-seen Abe) was in a tontine with his old army buddies, and he won. I was thinking of "life insurance," like the kind you can buy, but living the longest means you win the tontine, so it's kind of insuring that you'll do what you can to preserve your life. Clever. Also liked EMBEZZLER (14D: Crooked bank manager, maybe), POSEURS (9D: Affected sorts), and OREGANO (4D: Purple-flowered perennial). We've got oregano. I've seen the flowers, but I didn't think of it until we had a ton of crosses.
CAROUSES (1A: Tears) is a very nice intro, and we thought Mr. Steinberg must have been happy to get PUZZLEOUT (26D: Solve) in there. Frannie enjoyed seeing one of her favorite movies - AUNTIEMAME (42A: Rosalind Russell title role), and it took me far too long to come up with BODEREK (20A: Actress in a best-selling 1979 swimsuit poster). I kept wanting Fawcett, Brinkley, or Tiegs. Mmm.... Tiegs....
It was challenging, but, as Frannie says, "You couldn't call this one a snoozzzzzzzze." Very nice work, Mr. Steinberg.