Some have noticed that, since patch, difficulity levels set during game setup have some quite noticable morale changes (higher diff, lower morale). I've tried them a little and I quite like the gamepay with diff set on very hard. Morale is low, so cheap horses are not so effective, you can rout opponent's archers just by killing couple of them, one good charge into back or side of opponent means routing, and cavalry retreat is hampered much since most of the time it just makes your cavalry running away. Theres also some bad sides since chainrouts seams to be back and one big problem is that you cant see difficulity that host set, unless you look at log file afther battle.