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If you have the full version get the last character (Gossamer) and start small. Deposit all of your money into the bank to get interest to build up profit. Eventually start buying EVERY ship from Junk to Brigantine buy them all and max them out will as much cannons as they can hold. Do this and eventually you will be in the millions of gold and have at least 5 brigantines, 5 two masted sloops and up to 12 one masted sloops.