for an older female who is still figuring it all out, i'd call her a gal, chick or a lady (though some equate that with sophistication...). depends on the person and their age i suppose. then again, at some point i think you do just start using the term woman in order to be descriptive. i'd call a female in her 40's or 50's a woman even if she had the maturity of 12 year old girl.
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