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Well I have to admit to remembering the days when the weekly pay packet was just that - a brown envelope. and the last time I worked in UK, 1982, my salary was put straight into the bank at the end of the month...but given the fact that I don't think there was much, if any , paper money about in Nelson's time, the wages for the crew must have been all in coin and therefore heavy and cumbersome to ship around the world. So no wonder that they got paid when they got home, in arrears. I understand the Navy had a simple form of 'welfare' service that saw that the men were clothed, shod and fed whilst away from the home port. I imagine some Captain's looked after their men better than others.,but I was wondering what the officers did when they found theselves at, say Malta, for 6 months and had to pay for logdgings ashore and perhaps entertain on behalf of the navy etc.