How Do You Write a Novel in Chapters?

Do you just write a whole chapter from beginning to end? Or do you build this in little bits and put them together? Well, again, i think my way of working is changed over the years. And on the whole, i still start the beginning and rigt through to the end. I work in chapters, but each chapter is divided into a number of scenes. So obviously, you know, scribner works wonderfully for that witht the chapter head in. Then the scenes within the chapters, the dragon drop song, dragon move en around.