I missed this post, K, since I was moving at the time. You're right, R & J are considered to be in the range of 14 for her and 16 for him. Common for the time, but a no-no now. And several paranormal romances address this -- men and women who are hundreds of years old still remember older decisions, and romances that were not young but were happening at halfway through life. (If you lived to 30, 15 was not too old to marry!)

I think PayPal has backed off slightly on this (the credit card companies started it! they say) but I expect it will raise its head again.