Two days later, Ben has funded poolside massages, jet skiing, and a trip to a farmer’s market, having bonded with Emmy’s parents over a shared college connection. At the market, Hannah and Emmy buy matching friendship bracelets, and Ben buys Emmy a turquoise pendant necklace. Hannah declines his repeated offers to cover her costs. As the friends discuss the fact that they have only one full vacation day left, Emmy struggles with the approaching end of both the trip and the school year.

When Emmy says she isn’t ready for the vacation to end, she proposes ziplining for their last full day. Ben instead suggests chartering a sailboat and offers to arrange everything. Back in the resort suite, Emmy and Ben pitch the excursion to the Coles. Mrs. Cole hesitates because the parents have prior commitments. Mr. Cole proposes a compromise: Jackson goes as a chaperone. Emmy argues against it, but her parents hold firm. She begs Jackson, who appears ready to refuse. He asks whether they really want to go and then agrees.

Hannah privately tells Jackson that he doesn’t have to come. He looks directly at her and says he doesn’t want to take anything else from her—an oblique reference to their unresolved past. He retrieves a new book and returns to the balcony. Hannah retreats to the bedroom, dreading the proximity to Jackson but resolving not to let it ruin the day.

The next morning, Hannah and Emmy watch dark storm clouds building on the horizon from the hotel balcony. They text Ben, who’s already at the marina and relays his captain’s confirmation that the trip is proceeding. Jackson joins them, hoping aloud for a cancellation. Despite the weather, Emmy herds everyone into a taxi.

At the marina, Jackson notices that many tour company boats are docked with no passengers. A sailor tells them that charter tours have been canceled because storms are approaching the bay.

Ben dismisses the warning and leads them to a 50-foot sailboat called the Be-Yacht-Ch. He admits that when official tours were unavailable, he walked the docks and hired someone privately. Captain Keith, a man in his mid-thirties with a handlebar mustache, emerges from a hatch. Jackson insists that they shouldn’t go, but Keith says that the tour companies canceled trips because incoming storms create rougher seas and more seasick customers; he promises to have the group back two hours before the storm arrives. Emmy boards immediately and refuses to leave, cutting off Jackson’s objections.

Jackson tells Hannah to return to the resort alone, but she can’t abandon Emmy or leave Jackson to manage Ben and Emmy on his own. She boards. Keith runs a safety briefing for Hannah and Jackson while Ben and Emmy make out on the bow; Jackson mentions that Hannah is a lifeguard. Once underway, Keith strips off his shirt to reveal a large Nickelback tattoo. Hannah asks how Ben hired him; Keith explains that Ben approached him as he was docking at the marina, helped him tie up, and offered him $1,000 for the day. Keith mentions that the boat needs repairs and has been somewhat neglected—a detail that visibly unsettles both Hannah and Jackson.

The sailing trip starts well. The bay is calm, and the distant clouds are easy to ignore. Keith points out Los Muertos Beach and shares a legend that pirates once slaughtered gold miners there and left their bodies on the sand. The story fascinates Jackson, and he and Hannah fall into easy banter about their futures—he’s studying criminal justice, leaning toward victim advocacy; she’s headed for trauma nursing. He calls her “Hannah Banana,” and she’s reminded, against her will, of why her crush has lasted a decade. Keith also points out Yelapa, a cove town that’s accessible only by boat because the surrounding jungle and mountains make roads impractical. He adds that getting stranded between coastal towns would be like washing up on a deserted island.

Ben leads the group to the bow and produces tequila, mixing drinks for everyone. Ben and Emmy drink; Hannah sets her cup aside, and Jackson quietly dumps his. Ben then asks the group about their future plans, dismissing victim advocacy as boring, making dismissive remarks about Hannah’s choice of nursing, and belittling her father for being a male nurse practitioner. Jackson deflects on Hannah’s behalf. Ben then offers to join Emmy on her world tour, and Emmy enthusiastically accepts—despite having previously told Hannah that the trip was meant to be a solo journey. When Hannah raises concerns about traveling with a virtual stranger, both Emmy and Ben dismiss her as too cautious and boring. Embarrassed and angry, Hannah retreats to the cockpit.

Keith briefly leaves Hannah holding the wheel while he goes below. Emmy follows and demands an apology for Hannah’s attitude toward Ben. Jackson arrives and sarcastically supports Hannah’s concerns, pointing out that being wealthy doesn’t make someone safe or trustworthy. Emmy storms back to the bow and quickly recovers. Hannah watches from the cockpit, privately fearing that Emmy’s trusting nature will eventually put her somewhere no one can protect her.

Hannah and Emmy reconcile within 20 minutes, as usual. The rest of the morning is peaceful: They watch whales in the distance, Keith teaches the boys some sailing basics, and the group snorkels in a cove.

That afternoon, as the group watches dolphins from the bow, a lightning bolt strikes close enough to make everyone flinch. They realize that the dark clouds are no longer on the horizon—they’re directly overhead—and the boat is aimed toward open ocean rather than the bay. The helm is unmanned and tied off. Keith is missing. They search below and find him passed out drunk in the bathroom, Ben’s tequila bottle empty on the floor beside him.

Ben drags Keith up to the deck and begins screaming at him. Jackson intervenes, but Ben’s elbow catches Jackson’s nose as he pulls back for a punch, causing heavy bleeding. Emmy presses her cover-up to Jackson’s face. When Hannah tries to intervene, Keith shoves her, knocking the wind out of her. Jackson tends to her while the brawl escalates. Ben eventually knees Keith in the face, breaking his nose. Hannah takes over, using Jackson’s shirt to stop the bleeding and helping Keith sit upright. Keith tells Hannah to be careful and remarks that nobody decent smiles while hurting someone.

Moments later, Keith threatens to press assault charges when they return to shore. As the argument continues during the storm, Ben grins, releases the wheel, and throws himself backward onto the deck. The unsecured wheel spins freely, the boom swings across the deck, and the blow knocks Keith over the lifelines into the sea.

Jackson seizes the wheel while Hannah and Ben search the water for Keith, who doesn’t surface. Ben tells Hannah—the lifeguard—to act. She grabs a dive mask, throws the emergency flotation ring overboard, ties a dock rope around her waist, and dives in. The current is violent, and visibility is nearly zero; no matter how deep she kicks, she finds nothing. Eventually, after realizing that she can’t find Keith and becoming overwhelmed by the current, she lets Jackson and Emmy pull her back toward the boat. Jackson and Emmy haul her onto the deck.

Jackson angrily unties the rope from her, pointing out that if it had snapped, she would have been lost too. Ben rushes back from the sails and panics when he understands that Keith is gone. He immediately frames it as an accident—the wave knocked him over, and the wheel slipped from his hands. Hannah plainly says that she watched him let go on purpose. Ben dismisses her as unreliable given her fall on deck and then threatens the group: If they don’t support his version of events, he will drag all three of them down with him, specifically mentioning Emmy’s trip to Italy, Hannah’s nursing school, and Jackson’s career aspirations. Hannah argues that the boat is covered in evidence from the brawl. A massive wave forces everyone to grab the lifelines. Jackson orders them all into the cabin. Before they descend, he pulls Hannah aside and asks directly whether she’s certain that Ben acted deliberately. She tells him exactly what she saw, and Jackson says he believes her.

Below deck, Emmy calls a truce so that the group can focus on calling for help. Emmy’s phone is dead, and the others have little battery and no service. Ben’s compass app pulls their coordinates, but the boat’s radio is completely unresponsive—the boat appears to have lost power. Ben believes that the starter battery died from insufficient charging; Hannah remembers Keith mentioning that the boat had been neglected.

Jackson and Emmy get into a heated argument, and when Ben moves to physically confront Jackson, Hannah steps between them. Almost immediately, a massive wave rolls the boat so far on its side that a porthole goes underwater. The boat rights itself violently, sending water down the stairs and throwing everyone across the cabin. Emmy panics that they’ll capsize. Ben calms her by explaining that the keel is engineered to right the boat, making a true capsize extremely unlikely even in severe weather. He also says that he can try to sail them toward shore once the storm passes and conditions improve.

Emmy argues that her parents, or someone at the marina, will notice the group is overdue and send help. Jackson and Hannah exchange a look, privately doubting that anyone knows where to look for them.