14-16*
Although, when remembering my classmates, you can even skip the 16.
Because individual cases occur less frequently than non-individual ones. Moreover, these individual cases appear at the moment when you find out the real age, and before that, it might not have been the case. Here, the age is not specified, and therefore I assumed exactly the scenario I described.
Now, regarding the picture. When I saw the picture in the cards, I couldn't even think that she was not of legal age. Why? Firstly, because there are no childish features in her, not even, God forgive me, some stupid school uniform or something, there are absolutely no hints of childhood. Secondly, I again couldn't even imagine that a card from the game would depict a sexually suggestive minor. It didn't even occur to me, just like in the example with my colleagues, due to objective circumstances.
But when this picture appeared in the "most beautiful woman" contest, you immediately decided that it depicts a teenager. Pay attention, the question is - does this fact say something about me or about you?
Where do we end up when we save the world?