Had a BBBJTC CIM that was unexpected, not solicited, no premium paid. Have only seen this MPA once so far, but seems to be part of her service. Have tried the CBJ scene with SP's; not the same. Also had a BBBJ with SP's but didn't compare to the MPA, likely because of the TC CIM. Frankly was first time ever of a TC-CIM; so the "heat" of the moment made it difficult to consider insisting on a switch to HJ, and I didn't really try. Points to risk potential as a not a rational decision at the time, particularly as she apparently does this all the time