Ryan is 15 years old and lives with his mother, who suffers from a substance abuse problem. Often, Ryan has to take care of himself, which includes shopping for groceries and taking care of other monthly bills. The owner at a local bodega allows Ryan to sign for his purchases rather than pay cash. When Ryan's mother visited the bodega recently, the owner told her she owed $74.34 for Ryan's purchases. Ryan had refused to pay the bill. Who is primarily responsible for the bill?

Michelle is 16 years old and recently started a part-time job at a local coffee shop. Since she wants to save money to buy a car, she opened a bank account. Michelle recently wrote a check for school supplies; however, it bounced due to a hold on a check she had deposited from her grandfather. The bank charged Michelle a $35 service fee. Since Michelle is a minor she does not have to pay this fee.

Georgette (age 16) works part-time as a hostess in a local restaurant. She works two nights per week after school and the lunch shift on Saturday. In her jurisdiction minors aged 16 to 18 can work up to 15 hours per week. If businesses violate this statute, they are subject to a fine of $250. One Saturday, the evening hostess quit, so the owner asked Georgette to work more hours during the school week. If she works the additional hours, she will be up to 20 hours for the week. Since this is a one-time occurrence, the restaurant owner will not be penalized.