Don't think I'm going to popular with this. Me & my husband (both white), have completely different skin tones. My husband 'burns' with the slightest sign of sunshine, whereas I get a tan if the central heating is turned up. When on holidays our family all wear factor 50 (admittedly, I go down in factor as the holiday progress'). Some of our children have taken after me (with blonde hair and blue eyes), and even after wearing factor 50 (re applied every bloody hour) naturally goes brown, whereas others remain milk bottle white. I always covered them in rash suits just like Sarah when they were little, and those that have my skin tone their arms and legs turned brown, those that have taken after their father remained white. I always made sure ALL of my children wore sun hats when out in the sun. Sorry.