Sounds ok to me too - though I'd say the reduction would be less than the penalty.. 
Mjarr, whatever your problems are, it is definitely not a CORE issue - as this is not experienced by anybody else. So just retry, there is something you must be doing wrong somewhere along the way.
One question for a good install: do you see a single scenario when you start up CORE?
Do you see the flags of CORE specific nations when selecting their country (India, New Foundland, Malay States)?
Do you see the CORE tech tree when assigning your tech teams?
As far as I can tell, 0.60.21 (or rather 0.60.21b, since there have been a couple of changes) is probably the last Beta.
Of course, the Betas here are already pretty much final versions.
sooo, the question is: when does 0.60.21b goes public?