They both have the markings of the waterlily leafcutter not waterlily borer to me. The upside down black bordered white crescent shape (reniform) on lower middle part of forewing makes me think both are the leafcutter...most of the borer pics do not have that distinct marking.
The lower outer wing of the borer has a light colored long c-shape right along the outer edge of forewing.
Compare this http://bugguide.net/node/view/1203012/bgimage to this http://bugguide.net/node/view/851950.
My opinion.

Moni, thank you for calling my attention to my sloppy work. You certainly have more education in this area than I.

I remember going to MPG and looking at range and this species was the only one with a clear sighting in Missouri, so I went to the data for Missouri and pulled this one up. Of course it can be a misidentification but was placed by an editor from your state. Do you know Jack Foreman? He was really active for a while but is no longer active on BG.

On your advice I am going to move this one and ask Jack to review his.

I also found on which I would like your opinion.

And I have asked Stuart Marcus to review his #1232169

I have looked at this one and my own until I am bleary eyed. I see E. obliteralis very frequently and they change a lot and I give them very little concentration.

Elophila gyralis only two times and they have both been the non-descript one that looks like a different species to me.

Ann, I'm no expert, and as you know photos can be very challenging for many identifications.
Like you said, the variability of both moths makes id challenging, not to mention photos that are not real clear.
The photos by Basile and Marcus are waterlily leafcutter in my opinion. The later is a bit more challenging, but looking at MPG images and reading in Covell (June 1 is too early for gyralis) and the triangular nearly white area is not long C-shaped enough for gyralis...think it has to be obliteralis.
My $.02

Well, I think that only leaves this one which was not placed by a professional. I may decide to move it tentatively. It is looking like all the very dark ones are problematic.