Brian; As I said in my last post you don't have to belive me. There are plenty of other sources for you to look. The field and stream article for one, also check out retailers such as Campmor, Gander Mountain, Bass Pro shops etc... look at all of the clothing items they sell in which they specify the spf ratings. These items are especialy being produced for people who spend a lot of time on the water because of the added reflection of sunlight. So no hard feelings, I just wanted to share a little info regarding the latest findings regarding skin damage and skin cancer prevention.