High Seas Trader PC Boxed
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Released by Impressions Games in 1995 on both Amiga and PC, this PC CD edition includes Digital Speech.
The game lets you trade in a variety of goods, deal with banks and merchants, acquire property, and outfit your ship with guns, equipment, and crew. Sailing is done from a first person perspective behind the ship's wheel. The seas are, of course, never safe; pesky pirates will attempt to intercept you and relieve you of your worldly possessions.