ZOE

Starts with 10.

> ** APPEARANCE **
>
> Girl is shaped like a real person, +3
> Girl is under 18, -2

Up to 11.

> ** INTELLIGENCE **
>
> Girl is creative, but not particularly intelligent, +2

Up to 13.

> ** ATTIRE AND FASHION **
>
> Attire is tasteful and alluring, +8

Up to 21.

> ** PERSONALITY **
>
> Girl is kind to people, +4
> Girl is loyal, +3
> Girl is polite, +1
> Girl is happy and upbeat +4
> Girl fulfills her promises, +5
>      ... and threats, reduce -2
>
> Girl argues with people, -1

Come on, she's a teenager.  She might not have publicly argued with someone 
*yet*, but she will.

> Girl reacts violently to being groped, +3
> Girl is detached from reality, -2

Up to 36.

> ** RESPONDS TO DANGER **
>
> by protecting loved ones, +4
>      ... and people she doesn't like, additional +6

If she can, that is.

Up to 46.

> ** ROMANTIC SITUATION **
>
> Note: only score romantic complications *directly affecting* the
> character.
>
> Girl is mooning after a guy who's emotionally unavailable, -4

Down to 42.

> ** SKILLS, POWERS, AND OTHERS **
>
> Girl has martial arts, mecha piloting, or other fighting skills, +2
> Girl has magical or psionic powers, +4
> Girl calls out exactly what she's doing when she uses her skills or
> powers, -6
>      ... but she's allowed to whisper, regain +2 
> Girl has cute little pet, +6

Somehow, I don't think Michael counts.  ^_^

> Girl can cook, +4
> Girl speaks English +2

Up to 50.