"... or filed on ..." which means they've to have received it by then and an employee has to scan the documents into the system. I'm not trying to give you a heart attack. But that's how I understand it. If we are going to argue about semantics, only one of them has to be true for the then statement to be true, i.e., the new fee rule will go into effect. So, if they process it on the 23rd, they'll expect $495, not $465. ;S