How does effect of Captaineering tree work?

[Aegis 9]

I was thinking of the effect of the number in the captaineering skill work.

the % does stack, but does those % only work when i am on the ship?

for example, i unlock the cheaper Crew skill, does that mean the skill will only active on the crew when i was on the ship? or does it effect the crew that i hire. if only affect when i was on the ship, does that mean i never going to see the real gold per hour because the number is calculate with the skill.

also have the same question with the ship maintenance skill and the rationing skill as well

can someone help me answer these please

[Vorxius 249]

I believe cheaper crew works when you're on board.... may be wrong, but, it seems most prudently explainable, like you have some kind of aura