#WritersCoffeeClub - Do you agree with Rose Tremain, who said you shouldn't plan a book's ending; it must be earned?

Earned by whom??? By the author? By the story? By the characters??

Anyway, it's not how I plan my stories: I see all of them as a film first (often several times) before I start writing. So even if I don't do a proper outline (or mindmap - a mindmap is better, really), I have a plan for the story. It might change a little during the writing process itself, but not much.