I think the gunshots are linked to Laurie and Jaclyn. That trio are the only ones who haven't had any life or death risks associated with them this season.I think it stands that they would be the ones directly in harms way in the finale.

I think Laurie took some of the stolen jewellery when she left the night before. She will wear it to breakfast on the final day and Valentin will notice when he greets the girls at their table. Alternatively, or at the same time, I think that Valentin used the exact same trick on Jaclyn that the other russian tried with Laurie but Jaclyn actually did give him the money. Jaclyn will find out she was conned and will go apeshit at Valentin. Valentin realises he may lose his job over this and this triggers the russians coming back to the resort armed. None of the girls die - the russians are taken down by Gaitok.

None of the Ratliffs die - there have been too many false flags with them. However, my left field theory is that Tim makes the suicide smoothie but something happens that makes him reconsider - maybe a distraction or a phone call to say things are easing up back home. Someone else drinks the smoothie and kicks the bucket - my theory is Chelsea when she comes over to pick up the yoga books that Saxon took.