I honestly can't give a specific age, but I will say that girls these days are maturing far faster. There was a time when you could look at a girl and say with reasonable certainty that she was legal or not. Now it's almost impossible. It is to the point now where a guy should ask to see ID before going any further, just to protect himself.
Mentally, wow.. that's tough to gauge. How does one set a bar for mental maturity? I have seen 20 year olds far less mature than some 15 year olds, and some 15 year olds that act their age. It's an impossible question I am afraid.
If I had a daughter, I am sure it would be different, but 16 would probably be a good age. However, I don't think that a 30 or 40 year old person should be taking on a 16 year old.
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To be fair, I'll answer my own question. (And at the risk of sounding like a pervert.) Teen pics are definitely a turn-on for me. The young body, smooth skin, innocent looks... And the fact that the legal age is set at 18 seems to remove the guilty feelings of looking at girls that are so much younger than me. But honestly, I've been to the mall and seen girls who I know are 16, but look HOT! Even girls who are 14 seem to be looking good these days, but girls' fashion is very revealing these days. Now, I'm DEFINITELY not saying I'd have sex with a 14-year old girl. (Don't come hunting me down just yet!) I'm NOT into kiddie porn. But, is that where things are heading, what with Tiffany Teen and whatnot?
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Indeed Johnny. Indeed.