Submit no earlier than 10:00am since the nice person on the phone told me that when I called to inquire about our request that has be “processing” since 8:00am. Funny thing is I submitted another time at 6:30pm after they were closed, fully expecting to have to submit again in the morning and promptly got the approval at 8:am the next morning. So looks like it is variable. However we’ve used ROAM probably 8 times in the last year and love it even with the delays.