I renewed my CHL on line the other day exactly 43 days before its expiration date. Today I received the new CHL in the mail. I was about the shred the old one, but thought I should check a few things closely before doing so. To my surprise, the new CHL takes effect 40 days from now. Had I shredded the old one I'd have been naked for the next 40 days. It pays to be careful. I thought I should just pass on this reminder, in case somebody out there makes the assumption that the new CHL takes effect immediately, like I almost did.