Quarto not splitting html pages by chapter

Why am I getting 1 single html file out of this code?

---
title: "Your Book Title"
author: "Author Name"
format:
  html:
    toc: true
    toc-location: left
    html-math-method: katex
    css: styles.css
    code-fold: true
---

# Introduction

This is the introduction to the book.

# Chapter 1

{{< include ../../HandSamples/FS3_MineralCompo/XRD_hclust.Rmd >}}

# Chapter 2

Patatan

I understood that Quarto splits by chapters by default, and expected
independent HTML pages for each chapter.
I would like independent HTML pages for the chapters as with


---
title: "TEST-2"
site: bookdown::bookdown_site
output: bookdown::gitbook
documentclass: book
---

# 1. Approach
  
  Ta ta ta

# 2. Area of Study

* 2.2 Geological setting

Ti ti ti