Is a 20-year-old female a woman or a girl?

Or something else? I know that it depends on the individual making the statement, but I'm curious what my fellow GDrs have to say on this subject. The reason I find this somewhat interesting, btw, is that I call pretty much all males "guy," but calling all females "girl" seems disrespectful. (I'm asking this for informational purposes for a story I'm writing)
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We're testing a new feature that gives the option to view discussion comments in chronological order. Some testers have pointed out situations in which they feel a linear view could be helpful, so we'd like see how you guys make use of it.

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