Chapter 5
This is the catalyst chapter. It's the point at which something must happen to the protagonist to boot them out the door. They may know they have problems but have no intention of solving them anytime soon. In Broken on Bonaire, Jordan has been living a charmed life. She is a travel writer with plenty of assignments, her husband is attentive, and she has been doing pretty much whatever she wants. (Like a spoiled child.) The broken shoulder reveals some of these flaws, but we continue to see more as the first few chapters unfold. But at no point have we thought she would do anything different than what she's always done.
The death of a mysterious woman on the beach is her catalyst. This entire chapter is devoted to throwing roadblocks in Jordan's path that force her to take some kind of action: she is told she needs to leave the island to have surgery (which would prevent her from finishing her work), only to be told by police that she should not leave the island. They lead her to believe Jordan and Drew are possible suspects.
She thought she had a problem with the shoulder, but things just got a crap ton worse.
Chapter 6
This is a flashback chapter. We learn that Jordan was lying to the police about having met the woman. She and Drew had encountered her on the beach several days earlier. The goals of this chapter included adding to the backstory of Drew and Jordan. In previous chapters, we have only seen them under stress. Prior to the fall, we see them working and playing as a unified team. Neither of them placing demands on the other.
There is also some insight into the nature of their work as travel journalists, primarily because that is one of the hooks I am using to market the book. The other hook is the scenery and scuba diving that makes Bonaire one of the top shore diving destinations in the world, so I spend a bit of time detailing that.
Normally, most of the setup of a story falls prior to the catalyst. I chose to continue the setup, both of their prior relationship and of their encounter with the woman on the beach (Anika) to increase dramatic value. I love stories that confuse the heck out of me at first with flashbacks to prior events that tie into events we have already seen. I kept the new information relating to the woman's importance in the overall plot to a bare minimum, in this chapter. That was done also to heighten the suspense. Her story needs to unfold slowly throughout the entire book because she is the mystery driving Jordan forward.