When a Unit (Army, Henchman or Hero) is eliminated you lose Prestige points. For each Unit lost you lose 3, 4 or 5 points respectively. If you don't have Prestige you lose ONE monster of your choice.
Just to be clear: you're talking about losing units in combat with Monsters, right? When in combat with other players, you don't lose PPs for losing units - instead the other player gains PPs.
when would you loose to a monster.... i mean "HOW" would you loose to a monster... the attack and defense values are known to you and you can take your sweet time adding all the numbers you want.... unless your really really bad at math... when/how/why would you EVER loose to a monster?
I've wondered the same thing! In fact, for a while I wondered why this was even in the rules, and that it would have made more sense for the rules to allow attacking a monster only if you could defeat it. Why would you attack a monster unless you're going to win? Was this penalty just to punish stupidity? Losing a unit plus losing prestige points is pretty harsh! But as Kurt points out, I suppose there is a rare situation where an opponent might play a spell (e.g. Magic Shield) to turn a win against a monster into a loss.
Should this even be permitted, however? We have been playing that spells like Burn, Flee, or Chain Lightning may not be played by other players when you're in combat against a Monster, because these other players aren't part of that combat. Is this correct?