Okay, a little reassurance needed, please!
I did NCS on Nov 4th. Package was signed for first thing in the morning on Nov 6th. As of today, Nov 24, the fee has not been taken from our account. That's 17 business days. DH is trying to tell me to be patient, I think it's time to email UKVI and see if I can get an update.
Thoughts? I go to sleep at night with visions of my application sitting on the floor under some receptionist's desk somewhere...