They tell you 90 days because thats standard processing assuming you have no issues that will hold up your application. They will tell you once it is processed and it can take a few weeks after that to get your CWL. There is a timelines thread that shows how long it took many forum members to receive their CWL. Personally, I mailed my app on 2-9 and received my permit on 3-11. I have no clue when they cashed the money order but I was told it was processed 2-28, before that the automated system just told me that my app was received and processing.