final Map<String, Object> changes = new LinkedHashMap<>(20);
final SavingsAccount account = this.savingAccountAssembler.assembleFrom(savingsId);
checkClientOrGroupActive(account);
account.modifyApplication(command, changes);
account.validateNewApplicationState(DateUtils.getLocalDateOfTenant(), SAVINGS_ACCOUNT_RESOURCE_NAME);
account.validateAccountValuesWithProduct();
if (!changes.isEmpty()) {