One further point, philosophical works best with representation, beaucracy, caste system, pacifism, environmentalism (helps when your capital got 30 pop). Financial game prefers universal suffrage, free speech, emancipation, state property, free religion. Both have a good deal of flexibility of course. I am beginning to see a good strategy with Liz. Go philosophical until mid game. Get 15 GPs fast. Switch to financial improvements and civics once diminishing returns get too much. I'm still not convinced one philosophical city and rest financial works well, cause when I play purely financial, the empire is much more commercially impressive than what my Liz game is capable of. Once I try to improve Liz financial game, the GP city drops a good 400 beakers less than my super 1000 beakers Peter city.