u/Jumpy_Philosopher_71

Shopping for a used 2024 CX-5 2.5. About 55,000 miles, one owner, no accidents, clean title. It was a rental fleet car driven roughly 28,000 miles a year, and it has been sitting on the lot about 45 days.

I’m in California, but the car itself was originally titled in Oklahoma as a rental and registered in Washington. It only came to CA in 2026.

I brought my own OBD reader. Check engine light is off, all readiness monitors complete, but there is a stored P0421, warm-up catalyst efficiency below threshold, bank 1. Confirmed on two scanners.

What the data showed:

•	Freeze frame: 189°F, closed loop, 48 minutes into a drive, 32 mph, 26% load  
•	Long term fuel trim 3.9%, short term 5.5%  
•	No misfires, both O2 monitors passed, VVT passed  
•	Catalyst monitor has a stored passing result (2.71g vs 1.39g minimum)  
•	Baro was 25.7 inHg in the freeze frame, so it failed at roughly 4,000 ft, not sea level  
•	Codes last cleared about 12,000 miles ago  
•	Drove perfectly, no hesitation, temp steady

Carfax notes: five oil changes in 55,000 miles with one 14,000-mile gap, and coolant flushed twice in three months at a quick-lube place.

Questions:

1.	How often is P0421 on a Skyactiv 2.5 a PCM software issue rather than a genuinely bad converter? I know there was a reflash TSB on the older CX-5 generation but cannot confirm anything for the current one.  
2.	Does the warm-up cat really fail at 55,000 miles, or does the altitude detail point to it just being marginal?  
3.	A Mazda service advisor told me the emissions warranty is covered if the car was bought and sold in California. This one was not. Does the federal 8-year/80,000-mile catalytic converter warranty still apply to an out-of-state car, and would Mazda honor it here?  
4.	In California this fails smog once the light stays on, and the warm-up cat is integrated with the exhaust manifold. Is the $1,500 to $2,500 figure accurate? Anyone outside CA dealt with it?  
5.	If it gets fixed under warranty with a repair order, would you buy it? Or is a catalyst code at this mileage a walk-away regardless?  
6.	The service advisor also said it could be a lazy downstream O2 sensor rather than the converter. Both O2 monitors passed on my scan. How often does a marginal sensor throw a false P0421 on these?

Thank you. Appreciate you help.

I have shares from a former employer’s stock plan (vested RSUs) sitting in a Morgan Stanley at Work self-directed brokerage account, and I am moving them to another brokerage via an in-kind ACATS transfer. Not selling, just moving the shares as-is.

A couple of E*TRADE-specific questions:

**1.**	What is the transfer-out (ACAT) fee these days, and does closing the account trigger any other charge?  
**2.**	For anyone who has moved equity comp shares out, did the cost basis and vest dates get sent over correctly, or was there a delay or error on E\*TRADE’s side?  
**3.**	Anything I should do on the E\*TRADE side before I start, or is it fully handled by the receiving firm?

Thanks.

I have vested RSU shares (former employer stock) sitting in an E*TRADE / Morgan Stanley at Work account and I’m consolidating everything at Fidelity. They’re already vested, so they’re just regular stock I own now.

Trying to figure out before I start:

**1.**	For an in-kind ACATS transfer, do I start it from the Fidelity side, or do I need to contact E\*TRADE too?  
**2.**	Cost basis is my main worry. For anyone who’s moved equity comp shares, did the cost basis and original acquisition dates carry over correctly, or did you have to fix it manually after?  
**3.**	E\*TRADE charges a transfer-out fee. Does Fidelity reimburse these, and did that actually work for you?  
**4.**	These go into a regular individual brokerage account, not an IRA, right? Since they’re already taxed.

Thank you !