Concerning retraining, I usually train a new unit and then send him alone to the army that is 'damaged', then dump him into all the damaged units and disband the left overs. Doing it this way, the guys will lose experience when they get new guys (average of the two combined groups) and this is nearly a must with AOR implimenting mods.
P.S. I could have sworn that units lost experience when you retrained them, way back when I started playing RTW...
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