If the model appears to be underage, they need to be covered. End of discussion. Teenagers, pre-teens, and children need to have their genitals covered. Bar none. If you render an image with a fae, and they are tweaked to look like an "eternally young fae", cover the crotch. OK ... in the case of the baby or the cherub, if the leg is positioned to cover the genital area is that acceptable? Do you see why we are so confused? Do you see why you have your hands full with this? What one sees as OK, another sees as being against the TOS.