Well I have managed to give myself Contact Dermatitis on my neck and chest… Why? Because I had done what I thought was the right thing for my skin and used a very high sun screen on that very delicate area. The products I used are all ‘Hypo Allergenic’ and from good quality cosmetic companies. But I now find out that anything higher than 15 when on my neck and in contact with the sun has ingredients that turns me into a radish! After a trip to the doctors some ointment and a well draped scarf to protect me from the Toronto sunshine it cleared up. So from now on its factor 15 and a hat!