My fourth patrol and I'm off the place where they hung the Monkey whereupon I bumped into a large merchant with a flag I didn't recognise (all red with two horizontal black bars with a white bar sandwiched between them ?!) so as it was heading 'home', I decided to sink her (and yes, the crew didn't cheer when it finally went under). The question is how many renown points do I lose for doing this and if I don't have enough renown points to cover it, will it look like my Overdraft ?!