While most ship's captains are neither from the upper class nor descended from it, all such men are considered members of the gentry while on dry land. While at sea, or on ship's business, they are considered baronets and distinguished as such by wearing gold bars on the collars of their shirts. It is a ready way for polite society to recognize such ill-used and poorly dressed men.
A captain is considered the Patriarch of a House -- his ship. As such he has the right to enter contracts, access banking and pick his faction heir.
On dry land a captain also has authority to press certain people into service -- an accepted form of abduction that keeps inhabitations free of drunkards and vagrants.
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