Cortical changes continue well into the early 20's, and this has certainly been known for quite some time. It's a range, naturally-- a bell curve, if you will.
So for the population as a whole, where is "maturity" then? Is it 18 yo? 20? 21? Well, legally, it's generally considered 21 in North America. But historically, it's often been considered 25 or even 30-- especially for men.
Actuarial science doesn't lie, let's just say, and there's a
darned good reason why rental car agreements specify an age which is far greater than "adulthood" in the legal sense. My recollections are that this is based largely on the actuarial results which indicate that the 95% confidence interval surrounding "good judgment" for complex tasks which require fully-developed executive regulation (like driving a car) is about 25 years of age. Auto insurers don't really consider
anyone a "good driver" before then, but they are starting to tweak things to reflect a more nuanced view-- on the basis of OTHER accomplishments that tend to indicate conscientiousness, good self-control, etc.
Access to the principal of trust funds is
also quite frequently set at "mid-20's" and this has been true for at least two centuries.
Anyway-- all of that to say that this particular avenue of research definitely seems to agree strongly with empirical observations over many, many decades. While
some people may 'mature' ahead of those expectations, it's also likely that many mature
behind the average, too.
How cool would it be if PG kids could finally be recognized as having unique
vulnerabilities and needs in an educational sense-- all by virtue of this particular "delay" in brain development??