Big thanks to sdsearch and others who gave this advise. Cancelled immediately. SM inexplicably security closed the acct# but I was able to call and get acct fully closed before the unthinkable occurred. Immediate success w new Plat MC app. Got staggeringly high CL despite huge legit bus CL in my name.

Do we have a percentage on W-->WE conversions?

Thanks again. Love this place.