Mass accretion rate vs. disk mass for the models (filled circles) and for the observed population of disks in the Lupus (blue symbols) and Chamaeleon I (red symbols) regions. Squares are used for disks with measured disk mass and mass accretion rates; squares with arrow report upper limits on the disk mass; downward facing triangles report dubious accretors, i.e., objects with mass accretion rates compatible with chromospheric emission; and the transition disks are highlighted with a circle around the symbol. The red line indicates the best fit. The models are colored for the number of giant planets (M_planet >  300 M_⊕) in the system: orange for no giant planets, cyan for one giant planet, gray for two giant planets, and brown for three giant planets.