Age and experience completely irrelevant????? What? Sorry but you're wrong and I suspect a late starter or low timer yourself. The CAA has their minimums but insurance really runs this industry and they have minimums. There's a reason for this. Also, I've been flying with some FO's as of late who are late bloomers and love to tell me how old they are, how "lucky" I am that I'm Captain, and all around passive aggresive with a lack of CRM. Many companies will not hire old starter FO's amd I think there's a good reason.