@bobble...I'm here for you. I think I have it with the wordplay (did not look at msh210's)...want me to get you back to work?

I have some obligations, so I have to leave anyhow... take it away!

I think the CCCC might be SUBSCRIPTION, an underwriter's product. SUBS(-e = missing note)C(RIP=injury)TION

rip and tear

rip is a tear, but RIP and tear(s) both express something sorrowful

@JeremyDover That seems likely.

@Avi you're not wrong

@JeremyDover You got it! Well done.

CCCC: Manic phony with nervous reaction that induces sleep (8)

@JeremyDover Solution to your CCCC is PHONY* + TIC making HYPNOTIC.

@GarethMcCaughan: Yep, you got it!