No problem Terry, yeah lots of people aren't aware of it, I didn't know until I got close to those limits one year.
Back in Paypal's early day, there was personal accounts & business or premium, I forget. I opened up 2 accounts cause the 2 types had different seending & receiving limits as well as fees.
Now all that has changed & doesn't matter anymore. I still use both my accounts. Neither of them are listed as business accounts today but the 1099 thing still applies regardless. I wonder what difference a business account is.