Correct me if I'm wrong. Terrain improvement needs a balance between farms and cottages. Cottages benefit from financial. Farms gets specialists and more GP points. My GP capital usually has lots of farms and 28 min population. It gets around 1000 beaker per turn end game from specialists and merged GP. Financial game (cottage spam) for me usually has weaker super science city but stronger multiple cities. Why would you want both traits at the same time (Elizabeth)? I tried her and it feels like she just have 1 trait.