Yeah, Catalina is pretty busy at the start of the game. With her I try to get a few cheap mates recruited so I can capture ships when the battles start. If I'm not prepared for battle I make sure I leave a port just after 8pm and I can usually make it to the next port before being confronted. Once the event I mentioned before is done, where you are saved by fire, the game settles down...unless you choose to continue the fast pace.
Anyway, my point was that I capture and sell ships to build enough for some good trade capital. Before building too much capital I usually visit Seville and try to get caught entering the castle. They take 80% of my money and wipe out the anger from Spain. If I don't mind the minor twist at the end of the game, I will defect to Spain. If I want to avoid that minor twist then I just wipe out the anger and "defect" to one of the others. I try to get an easy quest from the ruler of the country that I defect to and when I return to report my success I ask for the Letter of Marque.
At that point I begin trading, but you have to be careful because she will likely have enough fame for the first 3 or 4 ranks so the ruler will want to give her more quests and will often give her a pirating quest (attack pirates or attack another country's fleet). The pirating quests will likely raise her fame another rank or two, and her game can be over before you know it.
I try to keep my fame under 4,000 until I have done the trading, arming, building fleets, increasing levels, and recruiting mates. Anyway, I never have a problem obtaining capital in her game.
lol, The main reason I began this post was to note that any bookkeeper with the bookkeeper skill and assigned to be the fleet's bookkeeper will operate as if they have the negotiation skill (which is only beneficial in the market). While it makes it a little easier in the shipyard, you can always get the best price from there by saying no and calculating the main character's price yourself. Catalina actually gets the biggest discount at the shipyard of ALL main characters. Her discount is 19%, so once you have sold product to reduce the overall market rate all you need to do is multiply the amount the guy at the shipyard asks for by 0.81 and that is the lowest possible price she can get (Joao and Ali don't have an advantage in the shipyard).
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