1) Make up any character that could be found on a cruise ship in the South Seas. (Don’t use Sidekicks or Shieldmates.) Be sure to include whatever Tools of the Trade you need.
2) Sadly, you’re shipwrecked! You lose any Tools of the Trade you had with you, except ones that you can carry along with you while you’re swimming for your life. Any Sidekicks and Shieldmates you tried to sneak along are lost, too.
3) You awake on the shores of an uncharted desert isle, along with the other player characters, who you may or may not know from the ship.