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Those colonists who completely exhausted their credit to buy the passage to Manticore were known as "zero-balance" immigrants and did not become full citizens until they had become well-enough established to pay taxes for five consecutive Manticoran years (8.7 T-years).
While all Manticoran citizens were equal before the law, whether enfranchised to vote or not, there were distinct social differences between shareholders, Yeoman and zero-balancers.. During the centuries, there was always greater prestige in claiming a yeoman as a first ancestor than a zero-balancer. Of course direct descent from a full shareholder was the most prestigious of all three. (UHH, "House of Steel")