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[The Fifth Horseman]

When you say swarm the Saucers with HBikes, how many do you mean ?

As many as you've got.

Yes, I raid Cult, and ussually get ~4-5 psyke thingies, but that ussually isn't enough. And later they get those mini-rocket-launchers, which kick my soldiers back to baby status, because I don't have PShield yet .

You raid them once. I raid them several times. Usually five to eight in a single go.
Also, there's one uber-easy way of getting cash: stun raids against organizations you're allied with. http://www.abandonia.com/vbullet/sho...&postcount=541

P.P.S. Six soldiers are enough for me even when skeletoids or whatever come out. And I don't have any choice. Even though i'm allied with MAlliance and S.E.L.F., I don't have many recruits. By the way, is that normal that sectoids ussually outpower humans IN ALL WAYS. Even strength !

I'm 99% sure that your heavy losses are caused by a too-agressive playing style. If you're careful enough, you shouldn't be losing any troops at the lowest difficulty level.