Lolicon? Lolita? How so?

What's the line between loli and not-loli?  I'd say 14 and above is not, but up to 13 could be.  Lolita herself is 12 when Humbert meets her, and later writes that girls stop being nyphets at around 14.  (If you're wondering who Humbert is, this next part will shock you.)  Of course, a lolita complex has nothing to do with a young age in particular.  The lolita complex is about finding a relationship with somebody the same age as the last time he had the feelings.  (Humbert has his first sexual experience and love with a girl of 14, who then dies of typhus.)

At 14, somebody understands what sex really is.  They may not be or feel mature enough for it yet, but they understand it.  At 14, one is biologicaly an adult.  So, thoughts?

But let us be prim and civilized. Humbert Humbert tried hard to be good. Really and truly, he id. He had the utmost respect for ordinary children, with their purity and vulnerability, and under no circumstances would he have interfered with the innocence of a child, if there was the least risk of a row. But how his heart beat when, among the innocent throng, he espied a demon child, "enfant charmante et fourbe," dim eyes, bright lips, ten years in jail if you only show her you are looking at her.
So life went. Humbert was perfectly capable of intercourse with Eve, but it
was Lilith he longed for. The bud-stage of breast development appears early
(10.7 years) in the sequence of somatic changes accompanying pubescence. And
the next maturational item available is the first appearance of pigmented
pubic hair (11.2 years). My little cup brims with tiddles.