Quote Originally Posted by rory_20_uk View Post
Very good point.

It should be based on Fraiser Competance - once one has the ability to understand cause and effect and is cogniscent about one's actions, one should be treated as an adult (not sure what happens to those who never appear to grasp this though...)
It's been proven that the part of the brain responsible for this reaches maturity at around age 25. The same age car insurance rates go down.