Hello {BHC}KingWarman888,

It pays to get monks, they are a lot stronger than Nods. Maybe you can buy Port Teppo instead of Japs, a YA instead of a YS and get some money to replace a Nod with a monk?

HC are really good.

In MTW horses refused to charge frontally, I think, that the 'Is Afraid of' parameter in the stats is responsible for this. It's not used in SamWars.