I would say 20%... I have been maybe 16% at my leanest. Almost for sure 18% or under. I can't say 15%, based on that photo. But my stomach is a problem area, and my only bad spot. Other than that, I would say 15% in prior times [and very likely in a month or two if I stick with my diet].
Aside from genetic freaks, does anyone really walk around under 15%, from day to day.