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I now have Duke for everyone except the Spanish. I'm pretty damn old, but I'm not going to retire until I find an Incan city or two I reckon.
Definitely concentrate on finding Montalban, if you defeat him at his hideout, he gives you 100 000 and all the specialist crew members too!
Also, I find if you let the pirates just plunder unabated for a long time, when you finally come after them they're carrying absolutely obscene amounts of gold.
Henry Morgan had 60 000 on him when I defeated him.
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