Captain Blackthorn grimaced against the salt air that sandblasted his face. His men were weary, his ship was falling apart and the hold was replete with treasures beyond counting. It was time to head home and enjoy the bounty that years at sea had brought them. As he braced himself against the pressing squall he considered the conundrum of converting said bounty into a transferable asset that could easily be spent without arousing suspicion of the local militia or the jealousy of rival pirates. If only large amounts of wealth could be represented on something as light and unobtrusive as a piece of paper. But then Blackthorn had a idea:
"I know what we'll do! We'll bury it!…"
Surnames: Most surnames fall into one of four categories. Patronymic surnames such as Johnson pass from father to son (literally, 'Son of John'). Occupational surnames such as Cook or Miller stem from an individual's livelihood. Topographic names such as Forest or Ford identify habitation. There are also a few surnames that derive from individual characteristics or nicknames...Small and Stern for example.