Mass accretion rate vs. cluster age for three different stellar mass ranges. The ranges are indicated in each panel. Stars in the η Cha association are shown as empty black squares. Upper limits are drawn as arrows for objects with no detected accretion, otherwise colors and symbols as in Fig. 14. The dotted, solid, dashed and dash-dotted lines indicate fiducial models for viscous accretion with disk masses of 30%, 10%, 5%, and 1% of the mass of the central star, respectively. The stellar mass used in the model is M_∗ = 0.05 M_⊙ in the left, M_∗ = 0.15 M_⊙ in the middle, and M_∗ = 0.8 M_⊙ in the right panel (see details and references in text).