When you host a game it does not cost credits.
Here is a link to Obst's guides, in the Sailor guide there is a pretty good explanation of Recruits Experts and Vets. Just highligt the text, press ctrl-C (to copy) and Ctrl-V in your address bar to paste.
http://www.hosting.nsagames.com/obst/NF_Guides/guides.html
Read through all the guides, they are very informative, it is sure to better your game!
J-n
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