I remember playing with JJ who told me he did what just happened to me and I thought to myself: "This kid is bullshitting", but seriously when you pop Level 120 and then create a new character it must allow you to copy the stats of that character over.  What's REALLY impressive I thought is how it gave me the high-end apartment on ALTA Street for nothing.  I remember JJ telling me he got a stilt apartment this way. I made this second account to basically hold the money in their wallet instead of the bank.  See if that saves any money with costs of ownership at all.  Just a test.