Our procedures have a maximum date difference of 30 days and is applicable to loans only. If the first BO form was dated more than 30 days from the closing date, they are required to get an updated form at closing. For deposit accounts, the date on the form is supposed to match the date the account was opened. We have had instances of folks in the field reusing the signature page from a previously submitted form and if we can identify it, we do require them to get a new one. But sometimes it's hard to tell, particularly if the signature page is conveniently missing the date that the customer signed the form. They definitely try to find ways to avoid having to obtain an updated signature.