What Does Underwriting Mean to You?

Stuart Dren

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I underwrite. Or to put it in clear terms, I tend to initially fall short of my word target for novels. My current WIP is 34k and aiming to hit the third act too early. I've decided that, given its particular nature, I'm okay with it landing on 70k instead the 80-90k I shoot for.

Do you think underwriting even deserves its own term? Or is it just a structural/planning/pacing deficiency? Or perhaps you think that every story has its own natural length that should be embraced?

I'm leaning towards it being a conceptual issue, but I want you to know all y'all thoughts.
 
Do you think underwriting even deserves its own term? Or is it just a structural/planning/pacing deficiency? Or perhaps you think that every story has its own natural length that should be embraced?

A few months ago I watch Princess Mononoke for the first time. For a myriad of different reasons it took me many many years to watch this masterpiece. Watching it, made me look more into Hayao Miyasaki and how he came up with the story and concept and how he incorporated his imagery to this film. When I learned that he personally amended many of the cels used to make this film I realized the dedication and skill required to create something spectacular.

One thing that I didn't know was that his studio; Studio Ghibli, pitched it to Hervey Weinstein to distribute it across American and the Western world, and Weinstein ordered Miyasaki to cut the 2hr 13 minute run time to 90mins. Miyasaki refused and sent Weinstein a sword to indicate 'NO CUTS.' It worked and the film was left to its original length and how Miyasaki imaged it.

For me, there are cultural differences in story telling between the East and West (and sorry for this long winded answer to your questions) but I don't think there should be a target to tell a story... brilliantly. Cutting is needed to make it more concise etc... but the length of the story, how a writer plans and structure in revealing the story to a reader should feel natural and if the story climaxes 20k short of the 'target' then it finishes 20k short of the target.

I prescribe to the view that if you change one thing (note change and not add) it affects everything after.

Removing a word or a line can alter the ambience and flow to a passage and the same principle goes to adding. Add something and it can push the narrative towards another direction and you lose that core message you wanted to give the reader. Is this a good thing? Well if it is to reach a number then no. If adding and altering the message actually gives you and a reader a happier outcome then great... but you should not add for the sake of a number.

The structure, flow and messaging of the story is very important to me and this can be lost through needless addition. I would only classify a story as being underwritten if (let's say) a main character stands with our hero and there is little to no detail about them as they act as a voice to the protagonist. It can be said that under developing a character is a deliberate choice but, again personally, if something is left undeveloped or making me ask for more for clarity, then this is underwritten.

If I am reading about a Fantasy world and I am struggling to form a picture of this world... that is underwritten, but if feedback from a reader points to the story reading well etc... and the only issue is that it missed a word target... then it misses the word target. A reader's reaction is far more important than keeping to a word count.
 
I don't know. If it's meant to be 70K it's meant to be 70K, no? Or 80K, 100K, 500K, which would obviate the concept of underwriting? Unless it's deliberately lacking (too short) or overly padded (too long), in which case, it probably sucks?
 
Underwriting is a thing, just as overwriting is a thing. Falling short of your word-count expectations isn't necessarily a sign of underwriting, though.

It could be that there just isn't enough story to support a longer word count. It could be that you overestimated how big the story would be.

If your word counts are consistently low, that probably suggests that there is something else going on. Maybe you are summarizing too much. There could be important bits that you've related in the space a few paragraphs that would be better shown as one or more full scenes. This is a pretty common issue. Writers will start a scene, often the opening scene, and tell the reader about the events after the fact instead of just starting earlier and showing those events in detail as they are happening.

Another possibility is that you're focusing too much on dialogue. There aren't enough descriptions and character thoughts to flesh it out. There may be entire scenes, or long parts of scenes, where it seems like the characters are just talking in a white room.

It could also be that you are rushing through certain parts. This is something I struggle with at times, more so at the end of scenes. I see the light at the end of the tunnel and rush toward it. Invariably, I have to go back to those scenes and add a bit, so the scene ending has the desired pace and impact.
 
I don't know. If it's meant to be 70K it's meant to be 70K, no? Or 80K, 100K, 500K, which would obviate the concept of underwriting? Unless it's deliberately lacking (too short) or overly padded (too long), in which case, it probably sucks?
I suppose I see the need to lower the target so significantly mid-flight to be a case of underwriting. Wise artistic decision or meek coping strategy? Unintentionally lacking -> it probably sucks. Adding padding to meet a word count -> probably chaff.

What's lacking could be exploration of the theme, actual novel in the book. Maybe I'm missing 20k words of impact. Of course thinking too much about that is just being neurotic.

Underwriting is a thing, just as overwriting is a thing. Falling short of your word-count expectations isn't necessarily a sign of underwriting, though.

It could be that there just isn't enough story to support a longer word count. It could be that you overestimated how big the story would be.
Most of those things you mentioned are possible. I'm leaning less toward it being the scenecraft and more towards it being the number of scenes and actual story elements.

Or it's exactly as long as it needs to be, you just overestimated the length.
Sage words, not only for writing, and basically the thread consensus. For now I'll accept that if the elements weren't there in preconception, possibly they weren't meant to be there. There's always editing.
 
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Sage words, not only for writing, and basically the thread consensus. For now I'll accept that if the elements weren't there in preconception, possibly they weren't meant to be there. There's always editing.

I have the opposite problem. My story conceptions are quite often too long for the word count target. It's not because it's overwritten, it's because I've planned a story that is simply too long. I had one where I cut out 60% of the plot and it was still threatening to overrun a 5000 word limit, so I had to merge two scenes and rush the end of it.
 
I tend to fall into the camp that most ideas can be executed in any word count utilizing different structural techniques. Trouble is, the technique itself might not fit the word count. A flash piece loaded with narrative summary will look weird. So will a 300K epic of immediate blow by blow. The other trouble with that is it's difficult to change horses midstream and alter the structure without doing a complete teardown. You kind of have to know beforehand what the appropriate word count is for style of preference. Or conversely, what style of preference is required to fit a pre-determined word count.

There's a thread going somewhere about Hemingway's iceberg analogy, which fits here to a point (get it... point?). Namely how much of the story is explicit versus subtextual.
 
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