Comparison of the SED (filled circles) of several young M9.5–L0 dwarfs with best-fit DRIFT-PHOENIX (red), BT-SETTL10 (green), and BT-SETTL12 (magenta) spectra. The SED of Cha1109 is de-reddened by A_V = 1.1 mag. The typical photometry of M9.5 (for Cha1109, OTS 44, and KPNO Tau 4) and L0 dwarfs (for AB Pic b) is overlaid (triangles) along with the corresponding fitting solution found using the BT-SETTL10 grid (light blue).