Fact: You need sunscreen all over -- including under your clothes. It sounds nutty, but the chances of getting burned through your white t-shirt are actually pretty high. "Your clothing is only SPF 4 to 9," says Graf. The amount of SPF depends on the color of the fabric: white gives you the least protection; dark and bright colors have a higher SPF because color absorbs more UV rays before they hit your skin. The tightness of the fabric's weave is also important. If you can see through your shirt when you hold it up to the light, apply sunscreen before you get dressed.
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