The altaic horse breeders sound a little out of whack too. 100% attack per level and a morale bonus seems kind of extreme considering the nature of the other cultural buildings. I suspect that the decimal places are off for the scottish and altaic culture buildings/retinues. 15% defense/level for schiltrons sounds more reasonable. Likewise 10% attack/5% morale sounds more in line for the altaic horse breeders. I think all of the bonuses sum to 15% per level, or are supposed to anyway.