Your letter of credit (--don't lose that thing, by the way --) is for 21,000gp.

You can do whatever you like with it, considering that the interest rate is quite steep.

I haven't looked at it in weeks, but the ship itself was around 20K -- about 30K went into the salaries of the Navigators, and the rest went into the crew salaries and the cargo. The crew salary wedge got bigger because the captain hired the extra crew, but the additional liberty chests sucked up a lot of cargo space (and thus decreased the size of the "cargo wedge" of the budget pie). Still, you guys are operating within budget, which is very good.

So... you can go ahead and plan how you'll divide that 21,000gp up, but you can't actually do it until you turn the letter over to the Guild.