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> It's almost a cliche at this point, but the prefrontal cortex isn't mature until between 25 and 30 on average.

That's a myth, there was a hn article on it a few months back. Could just as easily have selected 12 iirc.



There's a reason insurance companies charge substantially higher rates for coverage of drivers under 25, and it's not that they believed the first pop-science article they read.




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