If a player has a question mark on their portrait that means that they did not select a character at the beginning. It's rare since there are benefits to having a character and if you don't pick one, then you're missing out.
Ok, but when I created a guild of my own I had to select one of the flags and I couldn't skip that page until I did so and a ? mark was not one of the choices. Do some people have a trick to override that?
nevermind, I just played around with creating a guild and I got the ? banner with my new guild. COOL!
Are there direct benefits for an armada, if the leader picks Buccaneer over Privateer (or vice versa)?