You've also been playing FW CVs for years. I'm fairly sure that the total value of ships + equipment + credits on my account is under 10 million. And when you consider the need for 'normal' ships and AA boats for 4 IJN (Kita, Sub, BB, CV) and 1.5 US (BB) crews, much of that money is unavailable. (I'm often running at well under 1 million free.)
Also, when I first got my Penn 43: http://i26.photobucket.com/albums/c128/raptor_87/Real_Hamster_Escape_2.png (FWIW, I had a crew on the other BB line at late Colorado or early SoDak level)
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