I still do't think any changes need to be made to traits. The fact that it would totally unbalence the game for people with good UB's and UU's. They are given traits that are a little more difficult to make up for it. Look at the people you are giving these traits to. Rome with quicker promotions, england gets 25% gold to start, then another 25 for market and grocer, and then another 65 for stock exchange. Not to mention Wall Street. I think victoria has expansive, so you could very easily have any size empire you wanted with quicker settlers.