Yes the learning moment will be delivered to the lad about not waiting for last minute. Meanwhile the Council Advancement Chair has OK'ed electronic signatures and the SMC was done by phone. Further study of the GTA indicates the signatures are not required prior to the 18th birthday.
9.0.1.4 - ... Note there is no requirement that the signatures of the Scout, unit leader, and committee chair must be dated before the Scout’s 18th birthday.
9.0.1.5 - ... There is no requirement that the application must be completed or submitted before the 18th birthday. Councils do not have the authority to reject applications submitted on or after that date.
Because all requirements have been met before he turned 18 - he'll be fine.
dfolson's post in 18 in three days an counting... was marked as the answer