Since I've been on CM, I have seen and been part of very heated discussions about ages for cell phones, email, facebook, walking home alone, etc. Many moms will say "well, my child is mature" BUT......there is research that will tell us differently.
I'm constantly surprised to hear people believe their child is the exception but, let's be honest, every child is capable of making bad decisions and live their world according to instant gratification. It's not their fault though. They may be more "mature" than other kids but no one is really self-sufficient until about 24 or 25 years old.
Here is a good article to read about frontal lobes.....then you will see what I mean:http://www.npr.org/templates/story/story.php?storyId=124119468
If you want more information about how the development of frontal lobes affects your child's decision making and attitudes, just google frontal lobes and you will see a TON of research about why the frontal lobe is so important and how teens really don't get it. haha