Diference between dificulty level

[Ktonos]

I am playing my first campaign in normal level. Does the hard or expert mode has more differences than just less money and income? Maybe harder loyality,better enemy AI in strategic and tactical game, harder conversion to your religion...?
Thanks

[hrvojej]

For battles, check out longjohn's post here: http://www.totalwar.org/ubb/Forum7/HTML/002324.html