Young and dumb vs should have known better

For mitigation purposes, at what age does the benefit of being young and dumb turn into “you were old enough to know better”?

How does this change for 18-20 year olds in the military with a clearance?

As always with this process, “it depends”.
What are the general areas you have concerns? So far you are asking us to solve for “X” with no other information.

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