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Retreat is almost always offered.
The thing is, in Utopia, losses are significant if you play on autopilot, but you can
almost conquer with just one commander if they're level 20 and have a lot of perks. And back when WOGA didn't exist, and we played the game fully,
it's quite a memory... When you have 6-7 heroes, the opponent takes 5-10 minutes to make a move; you can go for a smoke, have some tea.