Quote Originally Posted by dopp
The morale penalty for loose formation should be set much higher, enough to send the whole unit packing when anything formed up even approaches. That will solve the cavalry charge problem somewhat, because the archers/skirmishers will rout almost immediately and the charge will turn into a chase.
It would make sense if the uber-morale penalty should apply only to formation units like pikes/spears and the not-so-uber morale penalty for swords, horsies, elephants, and halberds... etc. Imagine elephants in loose going amok when something formed up approaches.