Measured Ṁ_acc and M_disk for targets in the Lupus and Chamaeleon I star-forming regions (blue filled dots). The red filled (empty) triangle and square indicate the 2010* (2010) and 2021 mass accretion rates of XX Cha, respectively. The dashed lines display the M_disk/Ṁ_acc ratio of 0.1, 1, and 10 Myr, respectively. The white empty squares and triangles indicate targets observed in 2021 in the PENELLOPE program (Manara et al. 2021) and around 2010, respectively.