You guys put way too much thought into this. I mean, in some countries, girlies get sold for 2 sheep and a pile of horsefeed when they're 14. Then they get the shit banged out of them by some 45 year old south african tirbal leader with sagging tits and a lip plate. I mean, just use your best judgement. If I was 20, and some 15 year old was nudging up on my stick, I'd jump her no questions asked. The last thing you'd really have to worry about are the legal implications. How many people do you know that have been to jail for jumping some girls bones? I'd be more afraid of the dad finding out and coming at you with his '69 chevy. You just have to go on a case by case basis. Some chicks are smart and matured, and you know wether or not you're dealing with jailbait or not. But whatever you do, wrap it or don't tap it.