@TwoLanguageTrainer asks
bought a protected card but the top loader is gross. Is swapping it risky?
Jeff answers
A careful swap into clean protection is reasonable. I'd work over a clean surface, open the holder without bending it around the card, and avoid rushing the removal. Check whether the sleeve needs replacing too. If anything is stuck, stop instead of forcing a fresh-looking result.
— Jeff, infinitepulls.com