Financial makes it very easy sometimes. I don't realize the same thing with PHI
Philosophical is OK with first 10 Great Specialists. Then it slows down two times:
https://civilization.fandom.com/wiki/Great_Person_(Civ4)
Code:
Great Person Threshold
1 2 3 4 5 6 7 8 9 10 11 12 13
Quick 67 134 200 267 334 400 467 534 600 667 800 934 1067
Normal 100 200 300 400 500 600 700 800 900 1000 1200 1400 1600
Epic 150 300 450 600 750 900 1050 1200 1350 1500 1800 2100 2400
Mara. 300 600 900 1200 1500 1800 2100 2400 2700 3000 3600 4200 4800
First 10 GP costs: 1000*1100/2 = 5500 gpp, 5500gpp / 6gpppt = 917T of single Great Scientist. It is 2F*917T = 1833F. This food is converted to 10*1500B = 15000B. Or 1F => 8.1B.
At same time all each GS produces research at speed 3bpt.
The quickest way to pump 10 GS is to take 10 cities and run 2 GS. Then each 100/12 = 8.33T you will have 1 GS. After producing GS city is switched to other activity.
1city: 9T*2unit*3bpt = 36B, rest 9*9T work on 2 River Towns (with +5C) = 9*2*9*5C = 9*90C
2city: 2*9T*2unit*3bpt = 2*36B, 8*90C
...
9city:9*9T*2unit*3bpt = 9*36B, 1*90C
10city: 10*9T*2unit*3bpt = 9*36B, 0C
Total: 36*(1+2+...+10) = 36*10*11/2 = 1980B from GS, 90*(9+8+...+1+0) = 90*9*10/2 = 4050C from 2 Town tiles when GS are useless to run, and 15000B from bulbing.
Total of total: 15000B+1980B ~= 17000B, 4000C.
Bonus from Financial is constant and doesn't distract you from Food tiles. With 10 cities each running on 2 River Towns (+6cpt) for 10*9T it gives us 10cities*10*9T*2towns*6cpt = 10'800C.
Of cause we need to convert saved 2tiles*2F*10cities * 10*9T = 3'600F into something. Imaging we put it into green mines and have Currency, conversion rate 1F => 3H => 3G.
So 3'600F*3 => 10800G. And remember our 10'800C. Seems that Financial and Philosophical are equal in mental experiment.
Industrious gives +50% for Great Wonder. So 1H converts to 1.5G. Saved 3'600F with green mines (1F=>3H) can be converted into 3'600F * 3H/F => 10800H * 1.5G/H => 16'200G.
Industrious lags behind Financial and Philosophical. Of cause we need to add Forge and Marble/Stone. It changes multiplier from 1.5 to (1+50+100%+25%) = 2.75, and totals is 10800H * 2.75G/H = 29'700G.
So Industrious / Financial / Philosophical are somewhat equal in my pure mental experiment.
Reality is such that Financial works out of the box regardless map.
Industrious requires catching every Wonder (your research path is dictated by trait) and swap them between cities. It is impossible to load 10 cities with Wonders ))
Philosophical relays on Food surplus.
Other traits are not directly convertible to B/G/C.