If I remember correctly sinking a neutral vessel or shooting down a neutral plane will cost you the amount of renown that you would normally receive if it was hostile. All ships & planes of that nation will treat you as hostile for 24 hours and have a go at you if they detect you.
If you passed the navigation exam in the Naval Academy then you should begin your career(s) with 1500 points (2000 points in 1939).
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