Haven tactics.

Well, suggest your build for level 21:smile42:

Standard:
Advanced Counterattack, Expert Darkness, Retribution, Empathy, Tactics, Soldier, Advanced Defense. Nothing else is needed.

Added 7 minutes later

Against a Necromancer
Axel (level 21)

Advanced Counterattack - Watchful
Expert Leadership - Rally Troops - Inspire
Expert Light - Blessing - Righteous Fury
Expert Attack - Tactics - Ranged Attack
Expert Defense
Advanced Logistics

I'll let you in on a secret: with that build, you're unlikely to defeat a decent Necromancer. Although there are some sensible choices, like taking Tactics, the rest is a waste of levels. And if you're losing to Dwarves, it's either because you're playing Haven exceptionally well (which I doubt, not because you're an inexperienced player:) , or because the Dwarf you're playing against doesn't know what he's doing. And on Outlands, at level twenty, a Dwarf can crush you so badly that no cavalry will help, even if there are three times as many of them.