@DSRIGGS: It's tough, because I try super hard not to get burnt but I am just too fair and ginger to ever succeed.
Apart from the snorkel trip and the boat trip today, I was in the shade from about 10.30am till 4pm (hottest part of the day), wear a swim shirt, slather on sunscreen, always wear a hat. I reapplied sunscreen all day snorkelling, but it's never enough. The rays of the sun are drawn to my pasty flesh.
All the Scandinavians were lying on the beach all day sunbaking and just turned nice and brown. Not fair!
P.S. getting burnt on the backs of your legs, thighs and half your arse is reaaaaally uncomfortable. I do not recommend it.