I didn't make it!
7th December 2003
You could play the tutorial, they explain a lot about how to take care of settlements there. If you want to bring an army unit back to it's full strength you have to send it to a city which can recruit this kind of unit and repair it (button next to the recruit button in the city-view). If you have problems with money just scrap some of your more expensive units, buy roads and markets and sell your map information.
President of Novistrana
19th January 2003
If your gains are negitive, take a look at what's being spent on what, but I bet it's either A. You have too large of a army or B. your simply building too much, I suggest you cut back your army, and build more trade roads, farms docks and mines.